23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter dated XXXX XXXX saying that I am behind in my mortgage payment and they have a right to invoke foreclosure, etc. 

I received a letter dated XX/XX/2018, that says that unapplied funds were moved from unapplied funds and moved to the principal and my next mortgage payment is due on XX/XX/2018. 


Why are they threatening to foreclose. I am not, nor have I ever been behind on my mortgage payment. In fact, I have a long history of paying an additional {$1200.00} on the principal each month. I was doing it electronically, but then they told me they could not do it that way, I started sending them a check with a coupon telling them how to apply it. They still could not get it right and now they are threatening me? This is not right.
Product: Credit reporting or other personal consumer reports

I have repeatedly tried to have you remove these accounts that are inaccurate and nothing has been deleted so far. This is causing me undue stress and has been affecting my life lately.
Product: Checking or savings account

They closed my account after it was hacked and all these over draft charges were given. They refused to help, they refused to take XXXX of dollars over over draft fees back and i have had these account for decades.. They would charge XXXX for over draft even when a deposit was pending, they refused to remove them. They refused to help when i reported my account being hacked. It is still a mess. I went to Wells Fargo multiple times and they refused to help told me i had to call the fraud department which is a joke! They refused to help, do not call back and still say i own XXXX. They have taken XXXX of dollars from in over drafts. They have even told me i would never be able to have an account there again and they closed my account yet still they are wanting me to pay XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX acct # XXXX, XXXX  XXXX XXXX Acct # 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 an account without my written instructions
Product: Checking or savings account

wells fargo, i over dratfed an account. for 60 days. made a agreement with wells fargo debt collection to pay everything back in XX/XX/XXXX with no one saying i would have my cards freeze, they knew we have been through hurricane IRMA and lost my job, they said we understand please pay something, i did {$25.00} and first paycheck being XX/XX/XXXX it would be paid. XX/XX/XXXX they freeze all the cards for misuse. filed an complaint with excutive department. but they would not issue another card to myself or wife which was a conjoint account. no other withdraw happened when the account was over drafted, they did charge me a {$12.00} for not making a min of 12 swipes in that month. but how could i if the account was over drafted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need these hard inquiries removed from my TransUnion credit report as they are fraudulent and I am a victim of identity theft. They are listed below : Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX - Bank ( XXXX ) XXXX See an error? 
Find out how todispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXXXXXX XXXX  - Bank ( XXXX ) XXXX See an error? 
Find out how todispute a hard inquiry Institution Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, 2022 - Bank ( XXXX ) XXXX See an error? 
Find out how todispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
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 Account XXXX ... XXXX XXXX XXXX Account 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-Account XXXX ALL LISTED COLLECTIONS HAVE 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 an 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 Another 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. [ 15 U.S.C. 1681 ] [ 15 U.S.C. 1681 ] ( ALSO ) ) ) ) ) EXPERIAN DOES NOT HAVE CORRECT INFORMATION REPORTED AS ( ALSO XXXX HAVE ONE ) THEY ARE THE BUREAUS OUT OF ALL OF ALL THREE BUREAUS ON MY CREDIT REPORT TO HAVE INCORECT REPORTING/FRAUD/IDENTITY THEFT. [ 15 U.S.C. 1681 ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts from XXXX XXXX XXXX on my report that I had no knowledge or consent I would like them to be removed from my report because they are not mines. 1 account was opened XXXX XXXX the other 2 was opened on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is that Experian refuses to remove a derogatory address of XXXX XXXX XXXX, XXXX, MD from my credit report. I have never resided there, and I have never applied for any such benefits, etc. using that residence. I have tried to contact it using their internal communications dispute portal only for it to reply providing me with a results number # XXXX informing me that my result could not be provided through the portal, and that I must contact it at XXXX. Problem is, when I contacted it, I was greeted with an AI-Bot that gave me three options ; ( 1 ) to contact it on its website; ( 2 ) for it to provide me with its website address ; and/or ( 3 ) to repeat the instructions.
Product: Checking or savings account

They put a security freeze on my Navy Federal checking & savings account. They have held my funds for over a month and a half giving me no information
Product: Mortgage

o whom it may concern, The reason of my dispute is that I do not feel like my credit should be penalized because I was never notified that my payment had gone up from XXXX to XXXX  for the XXXX payment.. After I talk to someone I sent XXXX more and they put it into the escrow instead of putting towards the actual payment. I spoke to someone else on the phone and paid the XXXX with my bank account and then on XX/XX/XXXX I spoke with someone and she told me that my payment was 1947 and I only had sent XXXX so I paid her over the phone the XXXX I already sent an extra XXXX on the XXXX to cover the XXXX. I will attach proof of payment to see what I am talking about. Also the way I found out is because I checked my credit report and that is how I noticed that it was affecting my score.
Product: Credit reporting or other personal consumer reports

This morning, I noticed some inaccurate accounts appearing on my credit report, and I have no idea how they got there. As part of my routine, I checked my credit report, but this time, I found unexpected discrepancies. I even refreshed my browser, thinking it might just be a glitch, but the errors remained. Due to this issue, Im requesting that the documents I provided be thoroughly reviewed so I can have peace of mind moving forward.
Product: Vehicle loan or lease

I fell into financial hardship with my auto loan. I've called them and told them I'm going through a break up with my wife and then covid hit which left me unemployed with XXXX XXXX XXXX XXXX. They deferred a couple payments but didn't help me enough. I wanted to refinance my loan to get back on track and keep the only vehicle I have to transport my children and to find another job. They refused and would rather repossess my only vehicle. If you can avoid capital one auto finance I would advise it.
Product: Debt collection

I paid off a debt with National Credit Systems. They are to report to the credit bureaus that debt is no longer in dispute. XXXX reports that NCS has not requested to have the dispute removed. I 'm not able to close in my mortgage until this dispute is removed from my credit.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), there exists a crucial need to ensure that consumer reporting agencies discharge their duties with fairness, impartiality, and utmost respect for the consumers right to privacy. Recognizing Equifax, XXXX, and XXXX XXXX as consumer reporting agencies, and myself as the Consumer, I assert my right to safeguard my private information. This right is reinforced by 15 USC 6801, which mandates that financial institutions uphold customer privacy. The corporations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX fall within the definition of financial institutions described under this statute. Per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are authorized to furnish a consumer report solely in compliance with the written instructions of the consumer. Equifax, XXXX and XXXX lack my consent to furnish this information in regards to the above mentioned financial institutions and are devoid of my written authorization. Any form of consentbe it verbal, non-verbal, written, implied, or otherwiseextended to Equifax, XXXX and XXXX is hereby revoked. Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Regrettably, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX failed to apprise me of this option in any clear conspicuous manner.
Product: Credit reporting or other personal consumer reports

Greetings and Blessings from the Most High God, Per the FCRA as a federally protected consumer, I XXXX XXXX XXXX am now opting out of any and all authorization, I the consumer may have given you XXXX XXXX XXXX XXXX written, unwritten, verbal and nonverbal per 15 usc 6802 and Family Educational Rights and Privacy Act of 1974. You are hereby ordered under the command of the Most High God to cease all transmission of XXXX XXXX XXXX non-public personal information to any nonaffiliated third parties as it pertains to account XXXX. To include but not limited to the Credit Report Agencies and their subsidiaries. 
Thank you for your full cooperation in the matter. 

Blessings and Peace upon You.
Product: Credit reporting, credit repair services, or other personal consumer reports

A number of personal incorrect information such as Name, address, phone number, on my Credit repot
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting CFPB to assist me in the removal of old outdated reporting by XXXX XXXX. They have told me they would continue reporting it even being outdated and expired statue. I'm in my 60s there reporting this is keeping me from being the best I can by doing this they are stopping me from being accepted in assisted living centers and other areas of my life, its almost like they are flexing there power to control my life, and selling of this outdated info to reporting agencys and third partys is affecting my life & health. I have sent letters requesting this to take place but received nothing Thank you
Product: Credit card or prepaid card

Previous CFPB complaint # XXXX resulted in you contacted the company and their response indicated they were working on my issue but it might take 60 days. They made no attempt to delay the proposed payment due date, even though I had indicated it was a fraudulent billing, and I had indicated I would not be making any payment. Now I am receiving late notices and a {$25.00} late fee. Additionally, they have billed me for next years membership fee of {$39.00}, increasing the account balance from {$56.00} t0 {$120.00}. Because of a total lack of Customer Service, I immediately sent an email requesting the account be closed. Due to no response, I sent a follow up email and was advised that AVANT has apparently temporarily or completely shut down it's email service. I need your assistance to close this account so as not to adversely effect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX XXXX account which was opened fraudulently and I have submitted to the creditor as well as each bureau about the fraudulent account. XXXX No longer bills me for the account because it was fraudulent and two of the bureaus have removed it from my credit file. I have sent numerous letters to Equifax with police reports and they refuse to remove this account. They continue to verify the account with no factual basis. The original creditor is no longer collecting on it. I have asked them to provide me the information but they just say it was verified? Who was it verified with if the original creditor XXXX/XXXX  is no longer even collecting on it? And every bureau has removed it except them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the remaining fraudulent inquiries that were currently appearing on my credit report. Despite numerous deletetions that occured because of my previous attempts to have these errors corrected, these remaining inquiries continue to negatively impact my credit scores and financial standing. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information, and I expect that my rights will be respected. I have already made repeated attempts to have these inquiries removed over the past few months, but they still remain on my credit file. I respectfully request that the following inquiries be immediately removed from my XXXX and Equifax credit reports : XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified inaccuracies in the personal information section that is damaging my credit profile and requires immediate attention.
Product: Debt collection

did not receive any notice or validation of debt notice from this company. i have not received anthing not even a phone call from this collection agency my employment and address is the same and has been the same for several years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bread Financial, also known as Comenity Bank, has not updated my credit card balances on my credit reports since XXXX XXXX, 2022. I have a Victorias Secret and an Express credit card with this company, in which I paid both balances down to {$0.00}. The Victorias Secret credit card was paid down to {$0.00} from {$670.00} on XX/XX/2022 and the Express credit card was paid down to {$0.00} from {$240.00} on XXXX XXXX, 2022. Another payment in the amount of {$3.00} was paid to the Express credit card on XXXX XXXX, 2022. Ive been work diligently to reduce my credit card debt in order to improve my credit rating for a home construction loan and Bread Financial/Comenity Banks lack of reporting in a timely manner is affecting my ability to make this happen.
Product: Mortgage

TD Bank services my mortgage and taxes/insurance are escrowed. TD has failed to pay and remit timely payments for property insurance. There is more than ample escrow funds, mortgage is current and there is no reason to explain this issue. Contact was made on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 to resolve this issue. 

On each date listed, TD Bank has assured us that they received the insurance bill and that payment would go out overnight. They failed to complete this simple task and the injury is that insurance cancelled on XX/XX/2018 after 30 days of non-payment. In order to avert cancellation, I personally paid the insurance for one quarter ( even though TD Bank is supposed to pay through escrow ). 

I raise this issue to the CFPB for resolution not just for my case but more importantly to red flag why there is such a flagrant disregard for remitting timely insurance payments. Hopefully, this can help avert the same issue for other consumers that find themselves innocently in this situation where your mortgage firm does not fulfill their escrow obligations and introduces risk.
Product: Checking or savings account

We booked our honeymoon through XXXX. The company went under due to covid19 and cancelled all trips. They are asking you go through your bank to get your money back. I submitted my claim more than a month ago and they have denied it saying there was no fraud and couldnt prove something went wrong. Now they are saying they will try to collect the money through the merchant but when I called again they said they wont try that until the date of our trip ( XXXX ). We did not receive the services and they will not help us get our money back.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to Equifax, XXXX, and XXXX. They have not been investigated. I have even attached a XXXX bureau credit report showing the errors. They do not send results to my house. They have not fied the errors on my report.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian failed to verify if information shared about me is accurate. I have mailed my correct information via mail and have also disputed verbally and online and my info still remains inaccurate. They have told me that it's updated and sent confirmation but have not updated my report this had been going on since XX/XX/year>. I have yet to see updates. They removed two incorrect addresses on my account along with my actual correct address and failed to let me know that they removed my address with it i have a copy of my report before this all happened and they had the correct current address. They told me that I requested to have it removed however I asked to have two addresses that were not mine removed my name is also incorrect they failed to make my report accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed a fraudulent bankruptcy filing under XXXX XXXX XXXX   CA XXXX CASE # XXXX with Experian several times which Experian has continued to ignore. Experian claims they received this information from a 3rd party Vendor of XXXX XXXX XXXX XXXX XXXX which I've attached to this complaint as proof. Upon getting this information from Experian I've reached out to the vendor they claim that provided them this information and started a fraud dispute with XXXX. After XXXX investigated my fraud claim they came back that the listing in its database was fraudulent and they had removed it from all XXXX databases. 

Experian continues to play games with my dispute and acted as if I didn't submit my own dispute. With that said I've attached all proof for my dispute including my Drivers License, Social Security Card and Utility Bill as proof that it is me XXXX XXXX that is submitting the proof through the CFPB to Experian. Also this dispute that is being made through the CFPB is a result of trying to reach Experian directly with many failed attempts. Experian doesn't answer phone calls or return messages.
Product: Credit reporting or other personal consumer reports

I have inquiries that was unauthorized by me. In addition there are late payments reported that are inaccurate and incorrect!
Product: Mortgage

We have an open complaint case # XXXX - XXXX XXXX of Wells Fargo after beginning review via voice mail that she could not complete the review on the original promise date of XX/XX/XXXX and that she would have the results on XX/XX/XXXX. 
This delay is after the law date that Wells Fargo is aware of by indication of their lawyers as they have been notified. This is an act that has caused suits in XXXX, XXXX and XXXX that law suits were brought against Wells Fargo with results in the defendants favor. I have the two voice mails saved, none of which advise me to contact Wells Fargo ( I am reachable ) - when I contacted them via the extension provided the recording stated not a good extension ( again something mentioned in prior law suites ). I am applying for an extension of the law date but all I want is to resolve my mortgage issue and keep my home so in time Wells does not lose money as I have a bankruptcy during term of mortgage but mortgage never re-affirmed. I do not want to lose my home or pursue a law suit or class action event.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act XXXX account # XXXX 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, also states that consumer reporting agencies can not furnish a account without my written instructions.
Product: Mortgage

I've tried to work with US Bank Mortgage Company multiple times over multiple years to have the PMI on my mortgage loan removed. Most recently in XXXX of this year. I faxed another letter explaining how I've met the criteria for removal of PMI some years ago. Yet, they keep sending me letters denying that I have met the criteria. Every letter states that the LTV ratio must be 78 % of the original value and you must have good payment history. Both criteria has been met for over 4 years. I've never had a late payment and my LTV ratio is where it should be as well.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.