23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX. 
Address XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/year> In accordance with the fair crediting report act. The list of accounts has VIOLATED my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you investigate the completeness and accuracy of the list of accounts below. I am writing to dispute certain information on my credit report. 

I believe there is an error in the information provided, and I am requesting that it be investigated and corrected. The inaccurate information is damaging my credit profile and does not reflect my credit history accurately. as well as illegally charged off and sold to another collection company I request that investigate this matter and correct the disputed items as soon as possible. Please provide me with a copy of my corrected credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. Please inform me in writing of the results of your investigation. 


Account name : XXXX XXXX XXXX Account XXXX : XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. Original Creditor was ( XXXX ) Account name XXXX XXXX XXXX Account XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

Account name XXXX. XXXX, XXXX Account XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Mortgage

Chase bank took a loan application for a buyer on a contract written XX/XX/XXXX.to purchase a home. The loan officer did not do his job by getting the correct and required documents and expediting the loan process in a acceptable time line. The loan was denied 9 weeks later after the letter of pre-approval was given for her purchase nearly 9 weeks earlier, stating her income to dept ratio was too high. Nothing changed in her financial scenario in the time she was waiting to obtain the loan. The buyer and her agent did not speak or understand XXXX very well. The loan officer did not return calls to the agents or the escrow company. The buyer indicated he would go weeks before letting her know where her loan was in the process. I contacted the manager or Chase to voice a complaint. The manager did nothing to help or facilitate the loan. He told me to continue to work with the loan officer. He would not return calls or emails and kept the buyer, buyer 's agent, listing agent and escrow unnotified of the transaction for weeks. The buyer and seller signed XXXX extensions to close. I feel the lender did not act in good faith and it costs the buyer and seller money and time for the agents to continually try to contact the bank for information.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX  Balance : {$620000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$5200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I needed a credit card to use to charge airline tickets, hotels, car rentals etc. as part of my job as a traveling computer consultant. I was having g credit issues that resulted in a bankruptcy filing in XX/XX/XXXX so I asked my sister to add me to her XXXX XXXX Credit Card ( XXXX XXXX ) as an authorized user. She called and did so. I used the card until XXXX at which time I returned the card to her with no balance. 
She began using the card and reporting to all 3 credit bureaus reflects that that account is mine I never signed anything authorizing them to make me a co-owner of that account. Now her account repeated shows up as mine and it causes a heavy usage to reflect on my account since she has the card at 90+ % of the limit.

I have on 2 separate occasions written and asked for proof that I signed anything making me the owner of the account. I get back a response that the account is reflecting correctly and they refuse to provide me proof that I authorized them to make me a co-owner of the account.
Product: Checking or savings account

XXXX i was charged over draft fees when I thought I had money in my account, but did not. XXXX XXXX was allow my transactions to go through even though i did not have any money and charging me over draft fees
Product: Mortgage

I bought a house in XXXX. I used Everett Financial Inc dbaSupreme Lending for my mortgage company. The previous owners passed away but they had homestead exemption. I filed for homestead exemption in XXXX. In XX/XX/XXXX the mortgage company changed my monthly mortgage payment to {$1000.00}. I was paying {$1300.00} a month for XXXX. I called Everett Financial to ask about the decrease in my payment. The person that I spoke with said that it can happen like that and that it looks accurate. In XX/XX/XXXX I received a check from Everett Financial for {$4600.00} again I called to ask about this and what is it from. The person from Everett said that that can happen where there is a escrow overage and they are required to send the money to me. I asked about if I needed to place it back into the escrow person said I can but not necessary. I decided to place {$1000.00} back to escrow. I thought I was doing good with that. So now Everett Financial said I do not have enough money in my escrow. Looking at my Annual Escrow Account Disclosure Statement Account History I have that the mortgage company only anticipated a {$1.00} each for County tax, School District Tax, and City tax. Everett Financial is now telling me that I owe them more money with this year 's mortgage payments. I now have to pay {$1800.00} a month. This will be very difficult. I spoke with Everett Financial this morning the person escalated this to her supervisor who said that due to the previous owners having a homestead exemption Everett Financial anticipated the taxes with the exemption in place. The only thing Everett Financial could do would be to give me 24 months to pay the amount back. I called and asked questions about these things that did no good to prevent this from happening.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After your investigation the account still is reporting late for XXXX and XX/XX/2023. However I for sure paid this account on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following XXXX and XX/XX/2023. 

I have requested a statement and or proof that I was late on this account and have not received such documentation. 

In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

I am requesting that you immediately update this account to paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXXXX
Product: Mortgage

Hi there, I had a home equity line of credit with Wells Fargo and had set up an auto pay from my checking account since beginning. I had never missed a payment ( please see my checking account statement ). In XX/XX/2020 there was a payment suspension in my account that I never requested for. And I requested to opt out on XX/XX/2020 ( please see the letters ). Additionally, I did not miss any payment during this period. Wells Fargo charged me another payment that includes a {$830.00} deferred principal, {$280.00} interest, and a {$200.00} deferred interest when I pay off my account ( please see the closing statement ). I had contacted XXXX XXXX in XXXX XXXX XXXX XXXX, but my issues had never been solved. Please help me get my money back.Thank you in advance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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: Debt collection

I recieved a letter to pay a amount to Apelles Now. I have no business with, no contractual agreement nor have I recieved proper discloure to opt out of this type of adverse reaction per : XXXX XXXX XXXX - FORM OF NOTICE TO CONSUMER ; OPT OUT METHOD. This leads me to believe that my personal business and information was compromised and shared which is a violation of : Fair Credit Reporting Act : XXXX XXXX XXXX - IDENTITY THEFT & SEC. XXXX AFFILIATE SHARING *** THIS IS YOUR NOTICE TO CEASE & DESIST ( ALL ) COMMUNICATIONS. Attached is copy of A PRINTOUT THAT THIS COMPANY SENT REQUESTING PAYMENT FROM ME/ OFFER TO PAY. 

This is mail fraud ; Fair Debt Collections Practice Act violations : XXXX XXXX XXXX ( XXXX ) - Harassment or Abuse XXXX XXXX XXXX - Determination of finance charge XXXX XXXX XXXX ( XXXX ) - Unfair Practice XXXX XXXX XXXX - Furnishing certain deceptive forms XXXX XXXX XXXX - Civil liabilty. 

I understand your company is liable to pay me for each violation noted in this complaint for damages sustained that the court may allow but not exceeding {$1000.00} per violation. I would like to excerise my rights to the fullest extent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX in XXXX of 2020, I had my late fee waived and can XXXX  gave me an financial accommodation. XXXX XXXX  told me not to worry that they would waive my late fee due to the pandemic. I also called them and told them I was suffering due to the pandemic. XX/XX/2020 I called them to have the late payment fee credited back and they did just that. According to the Cares Act they gave me relief and they shouldnt have reported me as late during this timeframe. I would like this late payment removed as it is unlawful due to the Cares Act.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BRIDGECREST CREDIT CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
BRIDGECREST CREDIT C ***** Opened XXXX XXXX, 2015 Balance {$12000.00} Charge off BRIDGECREST ***** Opened XXXX XXXX, 2015 Balance {$12000.00} Charge off
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX BANK XX/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

I am a victim of the US Office of Personnel Management ( OPM ) identity theft, that has been widely reported. I obtained documentation from OPM & contacted my local police. Local police said they had no jurisdiction, since the matter regarded a US federal agency & to contact the Federal Bureau of Investigation ( FBI ). I contacted the FBI & received a " Complaint Referral Form '' from them, containing my reported identity theft. I submitted the OPM & FBI letters, twice to equifax, requesting a security freeze, at no cost, as required by law. Each time, equifax replied with a vague letter, which all that I could gather, was they were not going to grant my security freeze. The letters did not contain an explanation or valid phone number for equifax, but were somehow able to contain the valid phone numbers of equifax 's competitors, XXXX & XXXX XXXX. I called equifax, XXXX, & requested they explain why I was not being granted a security freeze. I spoke with XXXX, XXXX, then XXXX at equifax. XXXX said the letter I received from the FBI & sent to equifax is not a valid police report. When asked to explain what it is equifax is expecting, XXXX stated she does not know what a FBI police report looks like, other than she expects it should say " police report '' on the top. I asked to speak to XXXX 's supervisor to which she informed me she was a manager & refused to connect my call further up the line. 

equifax is refusing to grant me a free security freeze, as required by law, even though I have met all the requirements. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I called XXXX to receive my three free annual credit reports from Experian, XXXX, and XXXX so that i could begin to dispute incorrect credit info. I received Experian and XXXX reports and never received XXXX after receiving the other two reports.I tried contacting XXXX by certified mail ( XXXX XXXX ) only for them to send me a letter ( XXXX XXXX ) stating that they needed me to send personal info in the mail as to prove who I was ( copies of utility bill, ID, W-2,  social security, etc ) .I sent certified mail to all three agencies with the a letter of dispute and a letter from the agency that I paid the full amount to as well as the bank statement showing the full payment amount. I also found out today ( XXXX XXXX ) that Experian deleted my social security number from my credit report deeming me untraceable to calling the agencies and being identified. Im fighting to clear a debt that I paid on XX/XX/XXXX in the full amount and now they seem to be making it impossible.
Product: Credit reporting or other personal consumer reports

Dear CFPB, My name is XXXX XXXX, and I am writing to formally dispute an account reported on my credit report. The account in question is with XXXX XXXX XXXX, and I am concerned about its legitimacy. Below, I have outlined my dispute : Dispute Statement : I am not aware of this account or if I ever signed up for it. I contacted XXXX XXXX XXXX, but they have not provided me with any evidence confirming whether I personally opened this account. Therefore, I would like to dispute this matter due to the lack of identification verification in the opening of the account. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information on my credit report. Additionally, as mandated by the Truth in Lending Act ( TILA ), creditors are required to verify a consumers identity and obtain consent before opening an account. Due to the absence of such verification, this account does not seem to be attributable to me. 

Action Requested : I am requesting that you : 1. Immediately investigate this matter in compliance with the FCRA. 
2. Provide me with all documentation related to the opening of this account, including but not limited to any signed application forms or identification used during the account opening.

3. Correct or remove this account from my credit report if verification can not be confirmed.

I appreciate your attention and look forward to your prompt response. Please let me know if additional information is required for your investigation. As stipulated by federal law, I expect a written response from you within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

Cashapp has been a problem for a while now. Its always taking money out of my acount. 
Ive always jus simply applied for a refund for small amouts but recently cashapp has taken XXXX dollars and XXXX cents out my account for a purchase I did not make along with other amounts here and there. They refused to give me a refund and has denied my request multiple times after Ive called and complain and applied for refund of the XXXX $ this happened XXXX XXXX XXXX I would like to speak the the highest person involved in this because this is unacceptable if not I would Be forced to take this higher to legal authority as I have the proper documentation information and tools to do this because I am a XXXX in the United States XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up a new credit line at the I purchased a television through XXXX. The full purchase prices was charged to the account at the time of the original order. When the TV was delivered it was damaged in shipping. I requested a return from XXXX and they had the TV shipped back to them. After receiving the return, XXXX refunded the original purchase to my TD Bank credit line. This took 3 to 4 weeks to complete. I then ordered a replacement TV. During this time, TD bank was reflecting payments due on my credit line even though the TV had been returned to XXXX. They assessed late charges and showed my account past due. I contacted them after receiving a statement saying I was past due. After speaking to them on the phone, they agreed that they would waive any late charges and ensure that no late payments were reported on my credit. The late charges were waived however they have reported delinquency on my credit and are refusing to correct the issue.
Product: Mortgage

To Whom  It May Concern : I discovered that   XXXX   of my mortgage payment was not applied to my mortgage. This caused my reinstatement amount to be higher than required because my payment was not applied. I have provided proof to Ocwen from my bank that clearly shows the payment was ACH debited from my account. The payment was not NSF and it is obvious my payment was applied to another account or not applied at all. I am contacting my bank to provide the ACH debit tracking number so Ocwen can easily trace what account this payment was applied to. The payment was withdrawn from my checking account ; however, the mortgage company ( Ocwen ) i s stating a third party servicer used by  XXXX  stated the payment was returned NSF. Thus, the payment was not applied to my mortgage account. I am not sure this is true or not - please research and contact the required third party servicers and parties involved to determine what happened to my payment. The payment was deducted from my account on  XXXX / XXXX / XXXX  in the amount of {$1000.00}. Here is the information provided to me from my bank : Yo u may provide the following information to the mortgage company. Our records indicate the Trace Number  is  XXXX  for the electronic payment, t he Effective Date i s  XXXX   XXXX ,  XXXX , and the Amount is {$1000.00}. Additionally, t he US Cu stomer Identification Number is  XXXX , the Company Name is  XXXX , Company Identification :  XXXX  Regards,
Product: Debt collection

BDF sent me a debt collection letter dated XX/XX/XXXX purporting to collect a mortgage debt for XXXX XXXX XXXX. I requested a cease and desist and debt validation on XX/XX/XXXX. 

BDF did not send any information supporting it was collecting a debt I owed to XXXX XXXX However, on XXXX XXXX, XXXX, BDF filed a Notice of Foreclosure Sale to sell my home to collect on this purported debe owed by me in less than XXXX days.
Product: Checking or savings account

I did not open this account nor did I have any knowledgeof this account being open.
Product: Money transfer, virtual currency, or money service

I was contacted and lied too with information that was very personal. Between the information and the access to my account without me giving It to them I thought It was XXXX. 

Based on that information I transferred money to Cashapp. The total amount was a little over {$1700.00}. 

But there were XXXX ways the scammers got the money. The first way they accessed my account and withdrew {$900.00} + on a debit card that wasnt mine without me knowing. They had access to my account to change things. 


While that was happening I was tricked into paying out {$700.00} * dollars to that my account. 

After those were done account was closed and wasnt able to do anything. Cashapp is well aware of the scams when I got in touch with them they told me everything before I could explain. 

They reviewed the account and told me because of the withdrawal ( how and where It was done ) shows that It wasnt me so theyll do an investigation and get back to me. 

In a short period of time they contacted me and told me no actions will be taken and to reopen case reactivate my account. The account was closed and incapable of being open.