23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband was injured on the job in XXXX 2014. I called Wells Fargo in XXXX 2014 to see if there was anything I could do because I did n't want to get a bad pay history with them, and they told me all I could do was try to refinance. Because we lost XXXX of our income, my pay history ( and credit as a result ) has gone down the drain over the last year. Every time I talk to a rep, I have to explain my situation again and am again told I 'll have to refinance, but when I explain my pay history, I 'm told I wo n't be able to qualify for it. So I am basically stuck in this cycle.
Product: Credit reporting or other personal consumer reports

Hey, I just checked my credit report and saw fraudulent activities on it, can you remove it for me please, its affecting me from using my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

Good afternoon, This is my third and final demand regarding the inaccurate and erroneous information you continue to report on my credit file despite multiple disputes. It has become apparent that the Credit Bureaus is deliberately ignoring its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). 

The following accounts remain inaccurately reported : XXXX. **Account with XXXX XXXX XXXX XXXX : Recently I checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agreed/ never late. 

XXXX. **Account with XXXX XXXX XXXX XXXXXXXX : Recently I checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agreed/ never late. 

XXXX. **Account with XXXX  XXXX XXXX XXXX checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agreed/ never late. 

Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report 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 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX amd I am submitting this CFPB complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 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 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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I have tried to ask Walmart /Synchrony bank to work with me in my credit card debt and except minimum payments and instead they want to sue me
I have changed jobs make less money now and I had to pay XXXX  and more to bury my mother I care for extra family members the past two years and I’m in hardship

I would like to work with them the customer service people don’t help my letters unanswered

XX/XX/XXXX sent letter 
XX/XX/XXXX sent letter to bank and message online
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Product: Mortgage

My wife and I decided to purchase our first home in XX/XX/XXXX. We found a house we liked and proceeded with getting a mortgage thru our bank XXXX XXXX and were passed onto Quicken 's Rocket Mortage. We were initially told our mortgage payment would be {$3500.00} via the Loan Estimate a/o XXXX. Weeks later and while I was in a XXXX XXXX XXXX XXXX  battling the virus we received a Loan Closing Disclosure on XXXX that informed us our payment would be {$4000.00} but no explanation for the increase just days before we were set to close on XXXX. When my wife and I tried to get an explanation we were told the taxes were calculated incorrectly in the estimate but that this was the correct figure by our loan agent XXXX XXXX. Then things started to get weird, we accepted that mistakes could be made and wrote it off to everyone trying to cope with the stresses of covid and do their job just as we were experiencing. We missed our closing and could not get any real information from anyone as to why, then we were told it was because the appraisal was not scheduled, then the appraisal had to be rushed as well as done in person instead of being a desk appraisal and the rush cost were being passed onto us. We had already given notice to our current landlord and had to be out of the house we rented by the end of XX/XX/XXXX so we accepted the few hundred dollars and hoped we could get into our new house without having to pay thousands more for a 1 month rental or hotel stay. XXXX XXXX stoped being our loan agent and we never got the name of the new guy servicing our loan but we were informed that our payment would now be {$4200.00} via the Closing Packet we received on XXXX. All of these price increases were hard to swallow but we live frugally and were able to accommodate the increases so we accepted that we were lucky enough to be able to buy a house and happy to have a roof over our heads that one day would be ours instead of a landlords. Fast forward to the present and we are again trying to figure our how our mortgage is yet again going up by hundreds of dollars. On XX/XX/XXXX we received an Escrow Analysis Statement that informed us our payment would be increasing to {$4600.00} starting with our XX/XX/XXXX payment. We were shocked and called the lender to inquire what was going on and how our escrow account was only short {$10.00} but our payment was increasing drastically. We have not heard anything back from them for over a week now but were told initially that the increase was due to property taxes being miscalculated yet again and we were financially responsible for their failure to adequately and throughly do their job. We are not sure how we can handle this monthly payment which represents {$1000.00} per month above what our initial estimated all inclusive mortgage payment was supposed to be. They have lied or misrepresented these figures for the third time now and do not seem to care or have any repercussions for their lack of due diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for an item on my credit report stating I owe when I dont. The investigation was opened on XX/XX/2022 and still has not been resolved. 

Ive called multiple times and been placed on hold for extended periods of time without being able to state my concerns. 

I am unable to clear the other items on my report that transunion is incorrectly reporting, because only one dispute is able to be in progress at a time. 

This bureau is reflecting 75 % of my information inaccurately. I dont know if theres anything I can do to have them verify the information theyre presenting, aside from constant disputes, which are being extended beyond the period designated.
Product: Checking or savings account

Trying to link my XXXX  investing account to my PNC bank account ( which I have previously done in the past ) and am unable to because XXXX  is stating that PNC is not allowing it.
Product: Debt collection

Oportun Visa, just called me at XXXX XX/XX/XXXX about a debt, they have violated the law as I wrote them a cease and desist letter in XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a wire transfer in the amount of {$14000.00} from my XXXX XXXX account to my son 's Navy Federal Credit Union ( NFCU ) account. The funds were never deposited into the NFCU account. We understand that the account number was incomplete. We have requested from both banks that the funds be returned to my XXXX account. 

NFCU claims to have rejected the wire and returned the funds on XX/XX/XXXX. 

XXXX claims that funds were never returned. XXXX claims to have started a wire recall on XX/XX/XXXX and then again on XX/XX/XXXX. XXXX claims that NFCU has been unresponsive to the recall. 

NFCU claims to have messaged XXXX on XX/XX/XXXX regarding the wire, but that XXXX has been unresponsive.
Product: Debt collection

This is to confirm that I am submitting this complaint on my own behalf. 

Midlands Funding is reporting information on my credit report that is inaccurate across agencies and is unverified. I have attempted to resolve this matter several times and this company continues to report this inaccurate information. I do not owe these debts and have no knowledge of such XXXX XXXX XXXX Facts : 1. I do not owe this debt 2. This alleged debt is reporting inaccurately across credit bureaus 3. I have disputed this account and it has been validated. 
4. This unvalidated account is reporting as OPEN ACCOUNT which is additionally not under FCRA compliance. 
5. This company does not have permission to communicate with me. 

This is intentional inaccurate reporting and I demand that it is removed immediately as per 15 U.S. Code 1681i.
Product: Credit card

Since XX/XX/XXXX, I have requested assistance regarding my deceased mothers credit refund from her closed account through American Express Account Resolution Department.

There was no Estate created due to her having no tangible or financial assets. I provided all necessary documentation such as her death certificate and a signed certification form signed and sent to AMEX Company. Two times they printed a check in The Estate Of my mother after numerous times I explained and filled out all proper paperwork to resolve this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX are all dates that I have reached out to the account resolution department and yet they still havent responded accordingly. Its not about the {$74.00} rebate check, its about the principle of fact that a multi billion dollar company cant get their processing rebate checks done correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has acknowledged that I have paid towards an account that was negotiated at {$1200.00} and that I showed bank records pay $ XXXX/mo every month totaling {$870.00}. They are not recognizing the receipt for cash given to previous debt collectors XXXX-XXXX  even though I have shown the receipt here online and sent hard copies " certified mail, return receipt requested '' to new Attorney Marvin Dang and XXXX credit card company. Please note attachment showing a digital image of the receipt in the amount of {$640.00}. {$1200.00} minus {$870.00} leaves a balance of {$340.00}. {$340.00} minus the cash that was given to XXXX-XXXX  in the amount of {$640.00} means that I have OVERPAID by {$300.00}. Before I begin proceedings to request my {$300.00} be refunded to me, it would behoove XXXX to submit to credit bureau agencies a full statement factually stating that this account is PAID IN FULL.
Product: Debt collection

I Naver open any account with XXXX supply chain solation I received phone call try to connivance them this is not my account but send debit collocation and my personal and business credit is damage..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX  To Whom It May Concern : Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Second Round Dispute - Request for Permanent Removal/Block of Fraudulent Account Under 15 U.S.C. 1681c-2 ( a ) Dear Equifax, I am writing to follow up on my previous dispute regarding the account XXXX XXXX XXXX XXXX Account Number : XXXX ; Opened : XX/XX/XXXX, which I originally disputed due to identity theft and/or a data breach. As you are aware, under 15 U.S.C. 1681c-2 ( a ), when a consumer submits a dispute alleging identity theft, the credit reporting agency is required to block and remove the fraudulent information from the consumers credit report within four business days of receiving the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that my accounts were properly investigated but there are still several inaccuracies such as open dates are inaccurate, date last reported is inaccurate and date last active is inaccurate. 

This is grounds for removal but they have also violated my consumer rights under : 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 : States a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

On XX/XX/23 my {$180.00} monthly payment to my Capital One Quicksilver account, which was the full balance, was made prior to the cutoff hour of XXXX XXXX., but somehow the payment defaulted in the system to a previously Capital One closed checking account and the payment was returned on the same date. I was notified via email on XX/XX/23 @ approximately XXXX XXXX. I immediately made the full {$180.00} payment on XX/XX/23 and called customer service, explaining the issue and spoke with agent XXXX, who advised that the payment would still post as late, and I would have to wait until it posts to challenge any fees. The payment posted on XX/XX/23, and my account was charged a {$25.00} late fee, and {$9.00} in interest charges. I called customer service on XX/XX/23 and spoke with XXXX, who confirmed that he had the authority to waive the late fee and interest charges. On XX/XX/23 the {$9.00} interest charge showed as credited back to my account, but the {$25.00} late fee was not. I called on XX/XX/23 and spoke with XXXX, who said the {$25.00} late fee would show waived by XX/XX/23. On XX/XX/23 it was still not credited, so I called and spoke with XXXX XXXX ( or XXXX XXXX who said the late fee had not been waived, as it was ineligible for waiver, and she did not know why. On XX/XX/23 my next on time full balance payment of {$980.00} due on XX/XX/23 was posted. On XX/XX/23, my {$0.00} balance account was charged another interest of {$13.00} ; which they took out of my cash rewards. My call on XX/XX/23 to XXXX. XXXX XXXX, resulted in her saying she could not waive the charge, and that my account would continue to be charged interest for two more billing cycles of payments, even though there are no charges, and no balance due. This is the second time in the four years of having this account, that this default has occurred, last occurrence was in XXXX, but was corrected by the bank, but now they are refusing. This is an unacceptable, unscrupulous and seemingly illegal practice ; one that I have never before encountered in my excellent long and varied credit card experience. I am asking that the bank address this issue and be held responsible for its own error, and that my {$25.00} late fee, as well as the interest charge of {$13.00} on XX/XX/23 be credited to my account which is the only fair thing to do, as the payment posting late was not due to any fault of mine.
Product: Debt collection

On XX/XX/2020 an account opened from XXXX  XXXX  XXXX  with an original creditor as GMAC on my XXXX XXXX account for an amount of {$140.00}. As an attempt to figure out where this debt came from I tried searching for the companies address and contact information. After multiple failed attempts via mail, email, and dead end phone calls Ive now decided to reach out for further assistance
Product: Credit reporting or other personal consumer reports

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 ot
her 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this inaccurate account!