23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased a 15 year loan in XXXX XXXX from Wells Fargo ( loan # XXXX ). I was told that if you paid twice a month as opposed to once a month that it would reduce 4 years from your mortgage. I contracted for this in XXXX. Apparently Wells Fargo used a third party XXXX XXXX XXXX XXXX to administer this. I am told that they send a the extra equity payment once a month to the loan holder ( Wells Fargo ) whereas usually this this is done twice a month. Consequently, the additional equity has not accrued at the rate that I was told ... such that the mortgage would be paid off in four years. 
I called in XXXX and was told that the payout date was XXXX XXXX - this is longer than the 11 years promised but I accepted it. I now called to confirm the payout date so that I can make plans for retirement and I am told a different story ... that the payout date is XXXX XXXX. 
What this means is I have been told different stories every time that I call. The load was not set up the way I contracted and/or they changed their process and did not tell me. 
I would like this reviewed and the payment schedule to be re-configured in accordance with the original guidelines that I agreed to. 
As it stands now, paying twice a month ( at a hardship ) only yielded a little more than one year taken off the the fifteen year loan term. 
XXXX XXXX XXXX cell XXXX email XXXXXXXXXXXX
Product: Checking or savings account

{$34.00} Debit card was used to purchase tickets without permission Called company and they will not refund money. 

Called bank and they will not refund the money
Product: Debt collection

XXXX XXXX was initially reporting inaccurate information on my credit report with this account. The account was successfully removed from my credit report after several disputes with the credit bureaus and a CFPB complaint was filed under ID XXXX Now, the same account has illegally been reinserted onto my credit report under a different collection agency Southwest Credit Systems. This is another FCRA violation. I did not receive any formal notice from the collection agency or the credit bureau.
Product: Debt collection

Three debts are being reported on credit report with no information nor contact has been made to me by debt collector. I am unaware of this debt
Product: Mortgage

Hello! We called our mortgage servicer PNC Bank on XX/XX/XXXX and XX/XX/XXXX regarding doing a forbearance as my husband XXXX was currently out of work. We were told by 2 different PNC reps that we were approved to do a forbearance and if we chose to do so it would not be reported to credit bureaus as a late, missed or defaulted payment but it would only be reported that we were in a forbearance. Because of this, we agreed to move forward and do the forbearance. We got a letter saying we were approved. Today, XX/XX/XXXX, we received a letter stating that we had been reported to the credit bureaus negatively for a missed, late or defaulted payment. This is EXACTLY what we were told would NOT happen. We need this corrected IMMEDIATELY.
Product: Debt collection

Complaint Description : On XX/XX/XXXX, I sent a formal cease and desist letter to National Credit System requesting the cessation of all collection activities for an account ( XXXX XXXXXXXX ) opened on XX/XX/XXXX, with an outstanding balance of {$4900.00}. The account has been marked as closed with the last activity on XX/XX/XXXX, yet it remains listed as a collection/charge-off affecting my credit negatively. Despite my clear communication under the Fair Debt Collection Practices Act ( FDCPA ), National Credit System has not provided any confirmation of compliance or ceased their collection efforts. This continued action disregards my rights under the FDCPA, leading to this complaint to seek intervention and ensure that my rights are respected and that further harassment is stopped. 

Expected Resolution : Immediate cessation of all communications. 
Written confirmation that no further adverse information will be reported to credit agencies. 
Acknowledgement of my cease and desist notice and compliance confirmation with FDCPA. 

This issue has caused significant stress and has unfairly impacted my credit standing, necessitating urgent attention and resolution.
Product: Credit reporting or other personal consumer reports

Transunion would allow me to obtain a copy of my credit file
Product: Credit reporting or other personal consumer reports

Deleted Account that is not mine Reappears on a Credit Report with XXXX XXXX information i had this removed got no notices it was re added
Product: Credit reporting or other personal consumer reports

Credit Agencies continue to report lates on my consumer report which is in violation of U.S Code 1681b permissible purposes of consumer reports and 15 U.S Code 1666b time to make payments,,, I've asked credit agencies not to report this information per 15 U S Code 6801 reporting non public information ..Please ask credit agencies to report all lates as paid as agreed or remove these accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I am also asking for validation and verification of these accounts that are being reported on my consumer report without my consent to be removed immediately.Ignoring these request means there is a willingful noncompliance in which i intend to sue for FCRA Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please make the following corrections per FCRA LAWS and send me a updated corrected report
Product: Debt collection

National Credit Management called my place of business, spouse and family members stating I had already spoken to him XXXX XXXX at XXXX ext XXXX, after I had already made arrangements with the debtor to pay the balance. The date has not passed but he continues to call these places after I told him this information.
Product: Money transfers

I initiated a money transfer online through Western Union. The next day I received an e-mail that the transfer was on hold until I called to provide additional information. I called that same day, provided information to the customer service representative and was told that everything was alright and the transfer would go through. The money was taken out of my bank account and several days later, the transfer still shows as processing on the WU website. I contacted WU through chat and later by phone only to be told that the transaction was cancelled by WU and that I would be receiving my money back in ten business days.
Product: Debt collection

Please remove evictions from my rental history as I do not owe debt. I am Homeless because of this! Please help
Product: Debt collection

I have received repeated phone calls from XXXX XXXX concerning a debt owed by another person, same name each time. Each time I have told them that they have the wrong number and each time I am told they will mark their records accordingly and that I would get no more calls. Received another call this morning XXXX/XXXX/XXXX at XXXX XXXX from XXXX. When I tried to explain the situation and told him that I was going to file a report, he hung up.
Product: Credit card or prepaid card

Friday XX/XX/2022 at XXXX I received a email from American Express saying they just closed XXXX XXXX credit card I have with them, because of my credit report showing delinquency with another account that has no association with American Express . My with American Express are in good standing by not being in default or delinquent so adverse action does not apply to me pursuant to 15 USC 1691 ( d ) ( 6 ) This action from American Express is discrimination pursuant to 15 USC 1691 ( a ) I have been a loyal customer to American Express and to suddenly be treated this way is heartbreaking. I have faced XXXX and anxiety since being stripped of my credit card, making it difficult pay bills and get gas for my car. American Express is responsible for all damages resulting from there actions towards me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax credit Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of debt and request for validation Dear XXXX, I am writting regarding your recent communication concerning an alleged debt. I disputing the validity of this debt under the fair debt collection practices act ( FDCPA ), 15 U.S.C. & 1692g, and i am requesting that you provide validation of the debt as required by law.

Please provide the following information : 1. the name of the original creditor 2.The amount of the debt, including a detailed breakdown of any fees, interest, or other charges.

3. verification that you are legally authorized to collect this debt.

4. Copies of any documents or agreements that demonstrate that i am legally obligated to pay this debt. 

Additionally, I request that you cease all collection efforts, including phone calls, until this debt has been validated. Be advised that any further contact attempting to collect this debt with proper validation will be considered a violation of the FDCPA, and I reserved the right to file a formal complaint with the financial Protection Bureau ( CFPB ) and other relevant authorities.

Please respond to this request withing 30 days from this letter. 

Thank you for your attention to this matter. I look forward to your prompt response. 


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

On XX/XX/XXXX while I was trying to obtain insurance I was told my insurance is very high priced because a company called Verisk is reporting I had an accident that cost the insurance company XXXX XXXX dollars. This was not me I did not have a policy or a car on the date XX/XX/XXXX. Apparently it is someone with the same name in the same city as me. My name is XXXX XXXX XXXX XXXX XX/XX/XXXX and my last 4 of my social is XXXX. Verisk told me to contact XXXX and XXXX says that the info was not reported in my name yet it is coming up under me. I will attach everything this company is linking with my name as well as claim numbers. I can be reached via email @ XXXX or by phone XXXX a message can be left for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and other companies fraudulently pulled my credit report without my authorization. These unquurues were not authorized and are fraudulent : XXXX Exeter XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Security finance has called me 3 times a day, everyday for the past three months. Theyve called my parents and my job multiple times a day even after asking them to not call a place of business. They have told my job that they will just take me to court and garnish my wages. I never gave permission to discuss the status of my loan. Theyve left me threatening voicemails that I have record of. They have also inquired on my credit once a month without permission that I also have record of and had to dispute.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked as inaccurate, as follows : XXXX XXXX, {$140.00}, XXXX XXXX XXXX, {$9400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These items on my credit report are from unauthorized use of my social security number and card. I did not authorize these accounts and inquires to be taken out in my name nor do they relate to anything I did as I am unaware of any of this. I have attempted to contact the reporting agencies in multiple attempts with no success of having these items removed. These inquires are hindering me from obtaining a substantial credit score required to purchase a home. 

XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

I was supposed to receive a discount for having my loan deducted from my checking about at BBVA Compass bank ... I submitted the documents they mailed me in XXXX. I am still not receiving the discount..And everytime I call to inquire..nobody knows anything. I have even resubmitted the document and have received no response
Product: Debt collection

Upon reviewing my XXXX  credit report In XXXX of XXXX, seeking a home mortgage, I discovered false and inaccurate information furnished by Legacy Funding Corporation. The information furnished by Legacy to XXXX indicates that I opened an account associated with an auto loan on XX/XX/XXXX, last made a payment on XX/XX/XXXX, had a monthly payment obligation of {$340.00}, and has a balance of {$10000.00}. Please note that it is unknown to me whether Legacy has provided similar information to other credit bureaus, including XXXX and XXXX. However, the alleged debt actually relates to an auto loan taken out in XXXX to purchase a XXXX XXXX XXXX. I ceased making payments on that loan in XXXX or XXXX because the car had been in a previous accident unknown to me making the entire frame crooked. I told them to come and take the car and it was repossessed. Thus, I did not open any account with Legacy in XXXX and certainly did not make any payments to Legacy between XXXX and XXXX XXXX. Moreover, given the time that has passed, any alleged debt is barred as being far beyond any applicable statute of limitations. 

A demand letter that Legacy conduct and complete a reasonable investigation within thirty ( 30 ) days as required by the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 8 ) was sent on XX/XX/XXXX asking them to promptly correct such information with all credit bureaus to which my debt information was provided. 15 U.S.C. 1681s-2 ( a ) ( 2 ). Instead Legacy wrote the debt off but it still appears on my credit report and such has sullied my credit in the amount of {$9000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT *SELF LENDER* TWO LETTERS THAT WERE HAND WRITTEN. I KNOW REALIZE I SHOULD HAVE SENT THEM CERTIFIED MAIL, DUE TO THE FACT THat I did not get a response from Self Lender.

I have spoken to many customer service reps at self lender..They always tell me they dont do that here, meaning they dont take closed accts or late payments off the accnt once they add them! I swear the world is out to ruin me and my credit, when i have done is work my butt off trying to do everything the right way, then i seem to get skrewed for no fault of my own. i cant just let this go.

i had a self lender acct, i paid it as agreed, then yjet pushed me to open Self visa card through them. so i did just that. they took my money from my lender acct and added it to my self visa account. i thought i was upgrading my self account. 
a month later my credit report was dinged with a closed account and a late payment. makes no sense. i was never late. how coyuld i have been late if acct was closed!
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete a remove the listed items that are hindering my file. none of the acounts listed are approved by the FCRA guidelines. this has caused major delays in file. I am a victim of identity theft all of the accounts reported to my credit are not mine. please review an remove all listed accounts on the report to help clean my credit report asap.
Product: Credit card or prepaid card

Chase refuses to process our payments to our Southwest Rapid Rewards card in a timely fashion. Shortly after opening the account, we attempted to make a payment while traveling and must have made a typo because the payment was returned. We corrected the error within 48 hours and have made several payments since that time. Despite making payments, having good credit, and having a verifiable account with sufficient assets, Chase continues to place holds on our payments for 1-2 weeks. When we initially contacted Chase, a supervisor told us we could set up direct pay from our bank to resolve the issue. We did this, and Chase started holding those payments just as the prior ones. We were then told by another supervisor that the only way to make timely payments is to take cash to a Chase location ( in 2022 ). This makes the card unusable as a travel card, and we weren't able to even purchase XXXX tickets on a XXXX sponsored card because Chase hasn't processed a payment from over a week ago despite the funds being shown drawn from our account at the time.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding my XXXX XXXX account with XXXX XXXX XXXX. There are multiple issues I need addressed : Inaccurate Credit Reporting : On XX/XX/year>, my XXXX XXXX  account was reported with a balance of {$9700.00} and a credit limit of {$8500.00}, showing I am using 115 % of my account limit. This is incorrect and has negatively impacted my credit score. I dispute the accuracy of this reporting under the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to credit reporting agencies be complete and accurate. 

Tampering with Account : My account was recently tampered with, which I reported to XXXX XXXX XXXXXXXX. The bank conducted an investigation, but I was not notified or provided with any consent form for this investigation. Under the Electronic Fund Transfer Act ( EFTA ), I have the right to be notified and consulted during any investigation involving fraudulent transactions or tampering with my account. The bank 's failure to involve me in this process violates this law.

Failure to Address Fraud : Following their internal investigation, XXXX XXXX  XXXX concluded that funds had been tampered with on my account, but they failed to provide a resolution. I am requesting the removal or deletion of these inaccurate and fraudulent charges, as they were made without my consent. Under the Fair Credit Billing Act ( FCBA ), I have the right to dispute unauthorized transactions and have those charges removed if proven fraudulent. 

Requested Action : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that : The inaccurate information regarding my balance and credit limit is corrected immediately. 
Any negative impact on my credit score, including late payments, is removed as per FCRA guidelines. 
All fraudulent transactions are deleted from my account, and I am provided with a resolution that complies with both the EFTA and FCBA.

I look forward to a prompt resolution of this matter and appreciate your attention to the seriousness of the issue.

By citing the Fair Credit Reporting Act ( FCRA ), Electronic Fund Transfer Act ( EFTA ), and Fair Credit Billing Act ( FCBA ), you strengthen your case with legal backing for the removal of the inaccuracies and fraudulent charges. Make sure to include any supporting documentation if requested.
Product: Debt collection

Re : Notice for Proof of Claim Account : McCarthy, Burgess & Wolff # XXXX To Whom it may Concern : This is a final notice and request for proof of claim, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill,  or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX College v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 
Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. 
I also request to see a certified copy of any contract or agreement between you and XXXX XXXX, XXXX that gave you the right to collect this debt Account No. :XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company will not respond to any correspondence regarding old account reported on my credit report. Account was a charge off and is being reported incorrectly. Company ignores all requests for proof the debt is real that I send.
Product: Credit card

I paid the balances of {$3400.00} to the Amex card company all the supporting documents are attached, and after a some time the amex randomly charged my account with {$25.00} interest and {$25.00} as late fee even though the balances were XXXX after I paid in full, There were no formal intimation via email, postal mail, or phone regarding the balances, its the system error on amex, part, hence I requested for waive off/ XXXX the balance in full faith, I am sure consumer finance will take necessary steps to help the consumer,
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I May review to see if this is actually an account that belongs to me
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED EXPERIAN ABOUT FRAUDULENT ACCOUNTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE SUBMITTED FTC REPORTS ALONG WITH MY IDENTIFICATION, UTILITY BILL, AND SOCIAL SECURITY CARD. EXPERIAN HAS YET TO REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CONSUMER FILE. I HAVE CALLED AND REQUESTED FOR THIS INFORMATION TO BE REMOVED. I WILL BE UPLOADING DOCUMENTATION AS PROOF.