23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX - THE MONEY SOURCE wrote me a letter on XX/XX/22 saying that the insurance coverage they ordered on behalf of my property at XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA. XXXX has been cancelled. They requested that my insurance agent provide proof of insurance. Then they followed up with another letter requesting me to provide proof of hazard insurance. Because my insurance was impounded with my mortgage. I contacted my insurance company - XXXX XXXX XXXX XXXX. Both of us got on the phone with XXXX. During the phone conversation, we found out that XXXX mistakenly sent the insurance payment for XXXX XXXX XXXX to the wrong property XXXX XXXX XXXX. As we were researching on this, we found another error that the previous payment was made to yet another wrong property- XXXX XXXX XXXX st. XXXX XXXX CA XXXX. 
At this point, the operator we were speaking to hung up. We couldn't figure out how this company carelessly picked up these other properties which belonged to me but was with other Lenders and was making insurance payments on them instead of the XXXX property they were supposed to make payment on. 

Later on I found out that instead of correcting their error they put the overage on me. 

I have called them and informed them to correct their error. Contact the lenders of the properties they mistakenly paid my insurance to by error and fix their mistake instead of trying to make me responsible for their mistake.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the persistent issue of inaccurate fraudulent items on my credit report. Despite multiple attempts to resolve these errors directly with your bureau, these fraudulent items continue to appear, severely impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they remain uncorrected. This ongoing issue is causing me significant stress, inconvenience, and potential financial harm. Furthermore, I am seeking the assistance of from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the fraudulent items from my credit report. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX 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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

credit inquiries on my credit report that i don't recognize, it wasn't authorized by me. 

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

I had been a victim of identity theft
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negativity impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit report but also causing me significant XXXX and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Mortgage

On multiple occasions beginning on XXXX XXXX XXXX I have requested that Freedom Mortgage pay my full property tax bill. They have not done this despite several phone calls and emails. There is sufficient balance in the account to pay the bill but Freedom Mortgage will not pay them because of an internal email advising customers reps to tell clients they can not do this without a valid tax bill however the a valid tax bill has been provided several time. This was told to me by XXXX XXXX ID XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a call from an unknown company who stated representation for Wells Fargo requesting {$10000.00}. The woman claimed that a court subpoena from Wells Fargo will arrive at my address on XX/XX/XXXX at XXXX. The women verified the right street name but the wrong street number with my correct ssn. She gave me a case number XXXX XXXX and a phone number of XXXX XXXX. I called Wells Fargos legal department to get further information who stated that no such case exists and it is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX  XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

As of this month, XX/XX/2018, a Fraudulent/Unlawful Collection Account from XXXX XXXX XXXX was placed on my XXXX  Credit Report XXXX See Attached }. On XX/XX/2018, I filed a complaint, through the Consumer Financial Protection Bureau XXXX CFPB XXXX, to XXXX XXXX XXXX XXXX See Attached }. The company responded back, stating that they are having this Collection Account REMOVED from my XXXX XXXX { See same Attached CFPB complaint }. This is the Second Fraudulent/Unlawful Collection Account placed on my Credit Reports since XX/XX/2018, within a XXXX month period. I have already had the first Collection Account from XXXX XXXX XXXX removed. In this day and age, with Identity Theft booming, I [ the consumer ] would think that the Credit Reporting Agencies would have stricter screening processes before allowing NEGATIVE INFORMATION, like Collection Accounts, to be placed on Credit Reports. I have a Credit Lock or Credit Freeze on all three of my Credit Reports, but I am still receiving Fraudulent/Unlawful Collection Account Information. As of this date, the XXXX XXXX XXXX XXXX Account is only showing on my XXXX  Credit Report ; but I am also sending this CFPB complaint to XXXX  and Transunion XXXX XXXX XXXX for a HEADS UP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX To Whom IT May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatante and objectionable disregard of the law.

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : I. ) Record type : XXXX XXXX XXXX discharged - Reference number : XXXX XXXX. ) Account name : XXXX XXXX XXXX - Account number : XXXX XXXX. ) Account Type : Collection - Account number : XXXX If you do not immediately remove this fraudulent and incomplete information, I will file am additional complaint with the Federal Trade Commission. 

Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you had 30 dayz to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable.

Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

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

It has been brought to my attention that Chase has CONTINUED to engage in violating all my consumer rights to the point where it has gotten out of hand. I have undergone NUMEROUS encounters with Chase at this point. I AM REQUESTING THAT CHASE SEND ME MY public and private accounting records in accordance with GAAP, and all other account records. BILLING STATEMENTS AND LETTERS ARE NOT DOCUMENTARY EVIDENCE AND ARE CONSIDERED FRAUDULENT DOCUMENTATION! AS A CONSUMER PER THE LAW WHAT YOU ALL DOING IS DEAD RIGHT FRAUD! I am giving you TEN DAYS TO send me all DOCUMENTARY EVIDENCE WHICH INCLUDES MY PUBLIC AND PRIVATE ACCOUNTING RECORDS OR I WILL SUBMIT IN THE FOLLOWING WHISTLEBLOWER FORMS TO THE IRS due to TAX FRAUD! Furthermore, YOU ALL CONSTANTLY HAVE HARASSED AND ABUSED ME BY CONTINUOUS CALLING MY PHONE. PER THE LAW, THIS IS A VIOLATION! Per the FDCPA, it is a {$1000.00} fine per violation! 

PLEASE REVIEW THE ATTACHED WHISTLEBLOWER FORMS! I AM KEEPING ALL DOCUMENTATION AND RECORDING ALL EVIDENCE TO BUILD UP MY CASE FOR LITIGATION! 

THIS IS EASILY CONSIDERED A RACKETEERING CASE WHICH RESULTS UP TO IMPRISONMENT FOR 20 YEARS! 

DO NOT SEND ANY MORE STATEMENTS OR LETTERS, SEND ME MY PRIVATE AND PUBLIC ACCOUNTING RECORDS OR BLOCK, REMOVE, AND DELETE THIS ACCOUNT! 

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

I am a XXXX XXXX. I have changed my name with all of my creditors and with every single government agency. I have petitioned every Credit reporting agency to change my name. Credit reporting agencies are still reporting under my old name, or have split my account information between two different names, but with the same social security number. This is unacceptable to me. It is hurting my ability to get credit.
Product: Debt collection

RDAC continues to violate my consumer rights. RDAC has been notified and invoiced for their violations of my consumer rights. They have been non-responsive and non-compliant to those identified violations. RDAC refuses to provide any contractual obligation to pay them. RDAC refuses to provide any prior consent from the consumer to communicate with third party financial institutions. RDAC has admitted being given permission by their client to communicate my personal and private information to creditor reporting agencies. RDAC has only provided statements and photos from their client that does not constitute an obligation to pay them anything. RDAC is liable to pay this invoice to the consumer under the Congressional law of the FCRA pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

So I just received your response to my CFPB complaint in which you indicated that you would not provide me with proof because of a cease and desist request. First of all I am not a woman I am a grown man and you stated HER that just indicates that your information is totally incorrect. You do even know my gender so how can you say that you have documents to verify this alleged debt. I don't know who this person is that you are referring to when you responded but once again I am demanding you STOP reporting this fraudulent information about me because I will not stop pursuing litigations and I will use these complaints as evidence that you are furnishing inaccurate information against me which is a violation of 15 USC 1692. I have provided evidence that you stated the account meets FCRA requirements but It does not.
Product: Credit card

I applied for Bank of America XXXX XXXX Visa Signature card, which was prominently advertised as having a XXXX mile sign-up bonus and {$100.00} statement credit as incentives after {$1000.00} in spend on the card. I was informed that I was approved for the card, and at no point did they mention that I had actually been approved for a different product. Fast forward to me having met the spending requirements, and I find out I had actually been approved for the XXXX XXXX Visa Platinum card, which only offers a XXXX miles bonus and no statement credit. 

The physical appearance of the XXXX cards are nearly identical ( the only difference being a small word " signature '' or " platinum '' in the bottom-right corner ). The only mention that you might be considered for alternative products is buried deep in the fine print of the application ( I had to go find it after the fact ), and there is no way to opt out of consideration for the alternative product. I have never seen any similar process with any other major card issuer ( and I have had cards from XXXX, XXXX, and XXXX XXXX ). This feels like a deliberate bait-and-switch, and many other feel similarly, from reading online.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. accounts, loans, credit cards, and other accounts/things were fraudently opened in my name i have contacted equifax credit bureau , XXXX credit bureau and , XXXX  credit bureau about this matter. the credit bureau continue to report inaccurate, damaging, negative information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acima Credit FKA Simpl - XXXX - balance owe {$1500.00} this debt is not mines. I have contact XXXX and they telling me they will not reinvestigate. I definitely paid this debt, off in XXXX months in cash to the place of business. I move around and this happen so many years ago I no longer have receipt but I clearly paid it in 90 days to avoid paying XXXX. Please remove from my report. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I sent dispute letters to TransUnion, XXXX and XXXX to dispute inaccurate and obsolte information appearing on my credit report. To date, I received a " stall tactic '' letter from TransUnion which simply said that they received a letter from me and if it was from a credit repair company, there's no need, they can help me but did nothing to satisfy my concerns and to date, I have received no reply from XXXX or XXXX. They ignored my inquiry. Their lack of response has left me feeling stressed, frustrated and as though I am not valued and that my rights under the Fair Credit Reporting Act don't matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Bankruptcy XXXX XXXX # XXXX In XXXX of 2016, I filed for bankruptcy. Since then the bankruptcy has been discharged and is reporting on my credit reports. 

I sent a letter to the XXXX XXXX XXXX Illinois asking them to verify the information that was reporting to the credit bureaus, XXXX, XXXX and Equifax and the XXXX XXXX XXXX XXXX responded saying that they do not work with any credit bureaus. 

I have previously disputed with Each bureau XXXX, Equifax, and XXXX an in response they reported the information as accurate, stating that the information was verified with each bureau. That has been found not to be true since the courts veriifed that they dont work with credit bureaus. 

I am requesting that this bankruptcy be removed from my credit reports since the courts stated that they do not work with any credit Bureaus.
Product: Checking or savings account

Bank of America abruptly closed my account on XX/XX/17 after opening it just a few days before ( X/XX/17 ) with {$92.00} remaining in my business checking account.
There is absolutely no formal reason and I have 0 history of abuse behavior with the bank so I feel I am being treated completely unfair. 

I would like to do business with Bank of America and feel I 'm being treated like a criminal this is not right and I want someone to help me so we can resolve this and get back to banking for my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO TRANSUNION XXXX. XXXX XXXX XXXX P.A. XXXX I HAVE TRIED SENT CERITFIED AFTER CERTIFED LETTER TO THESE GUYS TO TRY TO GET WITH PROPER DOCUMENTATION TO ADD AN EXTENDED 7 YEAR FRAUD ALERT TO MY FILE AND THEY HAVE YET TO DO SO. THEY HAVE NOT EVEN ANSWERED ANY OF MY DISPUTES BACK WHICH IS BECOMING VERY TIRESOME FOR ME AT THIS POINT SO I TURNING TO MAKING A COMPLAINT. I HAVE A LAUNDRY LIST OF THINGS THAT NEED CORRECTING. IM A VICTIM OF IDENTITY THEFT AND I HAVENT BEEN TREATED LIKE SUCH WITH HAS ME VERY XXXX AT THIS POINT. WRONG FRAUDULENT NAMES AND EMPLOYERS AND CREDIT INQUIRIES AND IDENTITY THEFT ACCOUNTS.
Product: Credit card

I am trying to make a credit card payment and I keep getting this error message : " Were unable to verify your ownership of this non-Truist account. Please check the information you entered and try again. For assistance with mortgage loan payments, please call the Mortgage Center at XXXX. For all other products, please call the Truist Care Center at XXXX. '' I have linked my XXXX  account in the app, but when I put my external banking account info in I keep getting that same error message.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Wise ( formerly TransferWise ) regarding their misleading practices and refusal to refund my money. I recently signed up for a Wise account, expecting to receive a card that would allow me to access my funds while traveling in XXXX. However, I was surprised to discover that there is currently a waitlist for USD account details, which effectively prevents me from accessing my money as XXXX. 
Upon realizing this issue, I promptly requested a refund of {$50.00}, which included my initial deposit and associated fees. Wise denied my refund request, claiming that the transaction had already been processed. However, I have reason to believe this may not be accurate, given my inability to access the funds and the recent CFPB enforcement action against Wise for illegal remittance practices, including misleading customers about fees and failing to provide proper disclosures. 
I believe Wise 's actions constitute unfair and deceptive practices. They failed to clearly disclose the waitlist for USD accounts before I signed up, and their refusal to refund my money despite my inability to use their service as advertised is unjust. Furthermore, their claim that the transaction can not be reversed contradicts their own policy, which states that refunds are possible within certain XXXX. I respectfully request the CFPB 's assistance in investigating this matter and helping me recover my funds, including all associated fees.
Product: Vehicle loan or lease

Made payments as reflected for total amount due. Next billing cycle indicated there was pass due balance. Was informed by several employees and supervisors that online payments system does not reflect correct information. A late payment fee is paid online, However as advise if a customer does not call back to Westlake Financial and advise the company and inform a late payment was paid online. That late payment fee Is applied to a principal. The term used is you must ask for an allocation Asked numerous representatives can I have a copy of terms and conditions of payment policy neither representatives does not have access to this information. Neither on payment portal does that state such policy. Attached is of the wording of payment portal, by Westlake Financial.
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.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX. 
Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or the 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 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 or 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.