23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been receiving emails and calls from " First Credit Services ''. When I called the number in the email they asked for all sorts of personal information. I refused. I did give them a Reference Number that was included in the email and they said that did not help them. I hung up.
Product: Payday loan, title loan, or personal loan

7 months ago i took out a title loan from XXXX  in XXXX XXXX florida. Then every thing was fine till i got sick they did not working with me or did any thing to help me in my situation. Now they keep on saying i owe XXXX dollars all the time i paid huge sums of money. they are ripping me off and i need them forgive this debt. i paid over 500 dollars and they keep on saying i still owe the XXXX dolalrs. they never gave me a slip on showing how much i own last time. they can care less i had 3 XXXX XXXX  and they will not help me what so ever. i even have a XXXX  XXXX  that they know and they keep on wanting medical records on that breaking hippa law. i don't make that much money i am on XXXX and they are taking advantage of me
Product: Mortgage

I had locked my rate with Chase bank in XXXX of 2021, the rate lock product is a XXXX day conventional lock. I am building new construction so I wanted to take advantage of the current mortgage rates. I have near perfect credit with a XXXX score and am a chase private client customer. I did meet all the lending criteria and chase charged me a $ XXXX application fee, I have a fully executed closing disclosure which shows the rate lock and closing costs agreed to. 

Additionally, Chase uses XXXX XXXX to check consumer credit and has run my credit on 3 separate occasions, they shared they needed to re app my loan which I never agreed to. these hard inquiries had a XXXX point negative impact on my credit score and were done without my permission.

With the sudden raise in interest rates, chase is now adding new loan conditions which previously cleared. for example, My income was cleared already as I do 1099 consulting work and have been in the same industry for over 20 years now. Chase is now refusing to observe my income since I have been on my most recent client project for 22 months which they say is short of 2 years. This is not new news as chase locked my rate and knew this in XXXX of 2021. I also have additional W2 employment earnings, chase is not willing to observe my commissionable earnings for this role as they shared that is not 2 years as well. In total, chase is only observing 12 % of my total HH income which is supported by my tax returns and has been consistently the same for the past 5 years.

Chase came back and is now saying that I need to liquidate my 401K in order to get a loan and put more money down even though I again have the earnings to meet the debt to income ratios necessary. Chase has also increased my rate lock from 3.25 % to 5 % with additional closing costs. Chase has told me this entire time that my rate was locked and again there has been no changes to my credit or income. The activities by Chase are deceptive and I could use professional assistance. I missed out on a rate lock with alternate lenders as Chase assured me that my deal was approved. the difference will cost me over $ XXXX in interest over the life of the loan
Product: Consumer Loan

I obtained an auto loan back in 2015. I set payments up to be made every two weeks. My payment is {$370.00}, I set payments of {$200.00} every two weeks to make " extra '' towards my account. I have been reported twice for late pays and have incurred a few late charges. I called to try to correct this and they said that they NEVER apply over payments to principle and they just roll it over to the next month. They have been really rude and unwilling to remove the " late pays '' from my credit. Was told that even if I am one day late they charge the late fees. I think this is completely unprofessional and this, to me, is extremely shady business. I thought I was doing the right thing and getting ahead, but their banking practice is unprofessional. Why would you not apply ANY extra money to principle? They are making it to where I can never get ahead on this loan and they are continuing to make money off of people who are trying to do the right thing. Any " extra '' money should have been applied to principle. Is n't there a " grace '' period? I am completely disgusted with this bank and their banking process. They are out for their profits only.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a fraudulent account. Rent Debt Automated collection through XXXX. I submitted police report utility bill indicating documentation proving this account was open up in my name without consent or knowledge. I contacted the collection agency with my social security number ID police report and utility bill and this company advised they would send me a affidavit to sign which they have failed to send I have been waiting since XX/XX/XXXX for the affidavit. 

This account is incomplete and unverifiable. How do you verify account when I have documentation indicating identity theft what was your method of verification? XXXX  is reporting incomplete and unverifiable information to my credit report which is negativity effecting my credit report.
Product: Debt collection

In XX/XX/XXXX I had a negative PayPal account balance of {$2700.00} due to someone hackung my account. Since then they have been calling me to pay the debt about eight times a year. I'm unaware of when PayPal sold the debt, but on XX/XX/XXXX I was sent a letter by XXXX XXXX XXXX stating that I owed a debt {$2700.00} to them when I was never in a contract with them. Also within the letter there was use of obscene and profane langauge in the letter that they did not have the power to " sue '' me. The use of this language left me emotioonally distraught and I know that underneath Fair Debt Collecton Practices Act 15 USC 1692d ( 2 ) protects me from this. On XX/XX/XXXX I sent a debt dispute letter with request for a proof of claim, a counter claim with self executing contract, and an affidavit of truth.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXXXX/XX/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 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 other 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 or other personal consumer reports

Hello this is XXXX XXXX XXXX I am writing to remove the following inaccurate information I found on my credit report. I am a victim of identity theft and didnt make this charge. Please remove these items as soon as possible. I reported identity theft to the Federal Trade Commission and provided additional copies of the FTC report. I ask that you please remove to correct my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I had a mortgage loan with Wells Fargo which I refinanced to get a lower interest rate in XX/XX/XXXX ; my new lender is XXXX XXXX XXXX, XXXX, XXXX. Settlement date was XX/XX/XXXX ; funds were distributed to satisfy the mortgage loan with Wells Fargo on XX/XX/XXXX. 
Mortgage payments to Wells Fargo were withdrawn automatically from my checking account each month. It was my belief that the automatic payments would cease since the mortgage loan with Wells Fargo was paid in full on XX/XX/XXXX. 
On XX/XX/XXXX, I attempted to use my debit card, and it was declined. When I went to my bank to investigate, I found that the Wells Fargo auto withdrawal had gone through my account on XX/XX/XXXX, which was not expected. At the banks suggestion, I initiated a stop payment for future withdrawals, for which I had to pay a fee of {$34.00}. No further payments have been withdrawn. Due to the unexpected withdrawal on XX/XX/XXXX, I was charged {$210.00} for overdraft and return fees. I asked the bank if they would refund these fees, but they refused. 
I contacted Wells Fargo on XX/XX/XXXX and spoke to staff member, XXXX ; I explained the situation and asked that Wells Fargo return the amount of the auto withdrawal since my mortgage loan had been paid in full on XX/XX/XXXX. She indicated that the amount of {$950.00} was used to cover a balance owed on my homeowners insurance policy. 
I contacted XXXX XXXX, who carried my homeowners insurance policy at that time, to verify the accuracy of the information given to me by Wells Fargo. I was told that Wells Fargo had paid my homeowners policy in full ( amount of {$1800.00} ) on XX/XX/XXXX ( see attached receipt from XXXX XXXX ). Any amount owed to Wells Fargo would have been included on the Settlement Statement dated XX/XX/XXXX ( see attached copy of settlement statement ) and therefore would have been paid as a part of the payoff they received on XX/XX/XXXX. 
I called Wells Fargo approximately a week after my first contact and spoke to staff member XXXX. XXXX again tried to tell me the funds withdrawn from my account had been used to cover a balance owed on my homeowners policy. I told him this information was incorrect. I shared with him what XXXX XXXX had told me. At that point, he filled out a complaint on my behalf. 
Two to three weeks later, a staff member from Wells Fargo called ( I dont recall his name ) to tell me Wells Fargo was investigating my complaint and my request for reimbursement of the automatic withdrawal. He said someone would contact me as soon as the investigation process was complete. It has been over five months, and I have heard nothing further from them.
Product: Debt collection

I contacted this company on XX/XX/XXXX at ( XXXX ) and i specifically stated to the person i talked to that i did not wish for them to call me again. She stated that " she didn't understand my request '' and that i will have to deal with this in court. On XX/XX/XXXX, they attempted to contact me again using the same tactics using a different phone number ( XXXX ). I believe this alone is a violation of federal laws and i ask that this matter be brought to your attention to bring these thugs in line.
Product: Checking or savings account

I have filed a recent CFPB complaint on Bank of America, I had my card reported to Bank of America as being lost and certain transactions I never did and nobody ever handled my issue and I was transferred constantly to department to department and I was ignored about my situation, I reported to several people and nothing resolved and my card was lost and I spoke to customer service and card services about it nothing done and I found the hard when my account was closed and nothing was sent to my house to inform me that the account was closed I just recently had a woman from the compliance department call me an antagonized me on the phone and called me a liar I 'm going to file complaints with other agencies about this situation when I tried to explain what happen I was called a liar and said I made transactions in when I told her I did n't she admittedly went off on me and sent a correspondence to cfpb which I want a supervisor to give me a call because Bank of America did not resolve my situation I do n't appreciate how I was treated I will other complaints this tells I ca n't trust Bank of America do to the fact of how my situation was ignored and how it was handled by the rep which when I ask to speak to a supervisor I was hung up on I 'm very frustrated and angry because I reported what happened to me and nothing was done but I was accused by the rep that called and did not listen and did not care I want a supervisor call me or I will get in touch with corporate to file a complaint against the rep
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Police report XXXX is attached. XXXX XXXX has willingly ignored police reports and have been in noncompliance of the laws and negligently reporting inaccurate credit reporting information to the credit bureaus. Section 605B protects consumers from fraud and identity theft yet the creditor has willingly broken the law and has refused to respond via the CFPB to these claims. Please send back to the original credit as they are not following the law. Also cease and desist all forms of communication as this debt is not valid.
Product: Credit reporting or other personal consumer reports

I became aware that my personal credit information may have been exposed in a data breach and I noticed some suspicious activity on my credit report. 

Below is a summary of the data in which I am challenging : My current and lawful address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. If you have any address listed in your system that do not match my address as its listed here, please delete them immediately, so you can make sure the database has accurate information about me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX DOB : XX/XX/1966 Summary of Accounts being challenged in list form : XXXX Funding Acct # XXXX XXXX Funding Acct # XXXX XXXX Funding Acct # XXXX XXXX Acct # XXXX or Acct # XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX or Account # XXXX or Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX or Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Account # XXXX or Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX Summary of Inquiries being challenged in list form : XXXXXXXX XXXX XXXX XXXXXXXX EXPERIAN XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX saving credit was opened in my name. However I didnt make any inquirys on it.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

A fraudulent automobile dealer, ( XXXX XXXX in XXXX Ga ) charged my credit card despite not completing repairs properly. They held my car hostage and refused to return it unless I paid their ransom. I reported this fraud to Discover and they " Claimed to open an Investigation ''. However, they became a party to the fraud when they simply accepted some reciepts from XXXX XXXX with no explanation of the charges as justification of the charges. I expect XXXX XXXX AND Discover to make things right and return the XXXX to my account.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding several issues I have encountered with the credit bureau, including multiple fraudulent unauthorized inquiries.
Product: Mortgage

SPS has not proven the loan was assigned to them by XXXX XXXX  nor that they have any interest in a loan taken out in XXXX and sold to XXXX XXXX. The accounting is wrong and does not correspond to our loan. 

We dispute any and all statements from SPS since they are attempting to collect on a Zombie loan as stated in Regulation F FDCPA. WASHINGTON, D.C. Today, the Consumer Financial Protection Bureau ( CFPB ) issued guidance on debt collectors, covered by the Fair Debt Collection Practices Act, threatening to foreclose on homes with mortgages past the statute of limitations. The advisory opinion clarifies that a covered debt collector who brings or threatens to bring a state court foreclosure action to collect a time-barred mortgage debt may violate the Fair Debt Collection Practices Act and its implementing regulation. A time-barred debt is one whose statute of limitations has expired. The CFPB is issuing todays advisory opinion in light of a series of actions by debt collectors attempting to foreclose on silent second mortgages, also known as zombie mortgages, that consumers thought were satisfied long ago and that may be unenforceable in court.

Some debt collectors, who sat silent for a decade, are now pursuing homeowners on zombie mortgages inflated with interest and fees, said CFPB Director XXXX XXXX. We are making clear that threatening to sue to collect on expired zombie mortgage debt is illegal. 

Leading up to the XXXX financial crisis, many lenders relied on predatory practices to lock homebuyers into mortgages they could not repay. In the case of todays advisory opinion, the CFPB is focusing on piggyback mortgages. Generally, this piggyback mortgage product, known as an XX/XX/XXXX loan, involved a first lien loan for 80 % of the value of the home and a second lien loan for the remaining 20 % of the homes valuation.
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 XXXX XXXX acct # XXXX and XXXX acct # XXXX, has violated my rights. 15 USC 1681 section 604 A Section 2 also states consumer reporting agencies can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Hello, there has been a credit report on my account placed by Genesis credit management. I would like to report fraud on my credit account due to the breach of personal information being leaked. This account was not my account and I have no knowledge of any debt from this company, which is affecting trying to get into a car rental property. The date that they have listed for this debt is XX/XX/2023, which makes this depth a little over a year If someone can, please help me get this get off my report it would be a great help. Thank you.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX BANK XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccurate account information on my report. I have sent them written notices multiple times since XX/XX/2022. Experian deleted the account then reinserted it less than a month later. This is defamation of my character.
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. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX : Account # ****