23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Under regulations 523 ( a ) ( 6 ). A willful and malicious injury under Section 523 ( a ) ( 6 ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. Kawaauhau v. Geiger, 523 U.S. 57, 61 ( 1998 ). 

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute Wells Fargo has posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
Wells Fargo is XXXX according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is XXXX? Read their validation letter Does the letter says XXXX high balance? Then it is incorrect! Remove it! 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you XXXX responsible to allowing this Malicious attack and you are an accomplice to this behavior As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific items in my credit report coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. here are the items that needs to be remove in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Publishers clearing house has been harassing me for years about items they sent to me by mail that I did not request. I have never engaged with them or requested anything from them. They have now sent me to a new collection agency. I do not know how to stop them. Please stop this creditor and help with getting them to leave me alone. 

This collection company tricked me into giving me my address and on the same phone call promised to stop collecting. I received their collection notice a week later. The whole experience is disheartening.
Product: Mortgage

I continue to get bombarded with marketing emails from Mr. Cooper and Nationstar Mortgage after opting out of solicitations on XX/XX/XXXX at XXXX central. I have also set my preferences on the Mr. Cooper website to not send emails. These emails are intrusive and come very frequently - several times a week. I am not interested in refinancing, not interested in getting an appraisal, borrowing against my house, etc. I just want to make the minimum payment on my mortgage. 

Emails include but are not limited to : Subject : House hunting? Get complimentary access to experienced agents. 
Date : XX/XX/XXXX XXXX XXXX  Subject : See how much debt you can pay off. Get your complimentary analysis now. 
Date : XX/XX/XXXX XXXX Subject : XXXXOffer waiting : XXXX, claim your {$550.00} rebate before it expires Date : XX/XX/XXXX XXXX XXXX  Subject : Please review : Get summer budget relief Date : XX/XX/XXXX XXXX XXXX  Subject : Starts today : Were knocking {$550.00} off your appraisal fee Date : XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX {$1300.00} ( XXXX ) XXXX XXXX XXXX {$540.00} ( XXXX ) XXXX XXXX XXXX XXXX {$8100.00} ( XXXX Reached out for documentation associated with the status of the accounts.Looked at my consumer report and we all closed and charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX Balance XXXX {$8100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I have disputed an account with XXXX from Orions Management Group LLC that came back verified on XX/XX/24 I asked them to send me proof on how this account was verified and they said they arent allowed to send proof which is unfair as a consumer. I sent letters backing my information and all they did was update the information. The account is closed and why it be reporting late or open. This is a FCRA violation 15 USC 1692 ( e )
Product: Credit card or prepaid card

On XX/XX/2022 I sent a letter disputing a billing error under Truth in Lending Title 15 U.S C. 1666 to Plus Finance. I have not had a response from them and they continue to try to collect a past due amount when they have closed my account. Also reporting to so-called private credit agencies while this account is in dispute.
Product: Mortgage

I signed an agreement in  XX/XX/XXXX  to buy a  XXXX  home (  XXXX   XXXX   XXXX   XXXX  va  XXXX  ) Lot #  XXXX . Community name is  XXXX   XXXX . At that time they told me that the house will be completed by  XX/XX/XXXX , but it is still not completed as of today. Anyways meanwhile i started working with NVR mortgage for my loan approval and this is their own mortgage company. The loan  officer  send me an loan estimate on  XX/XX/XXXX . According to that my interest rate was 3.50 %, loan amount  XXXX , and cash to close was  XXXX . Then he sends another estimate and then finally on  XX/XX/XXXX  they send me a closing disclosure, according to which my interest rate has increased to 3.875 % and closing costs to {$12000.00} and loan amount remains at  XXXX . I tried to call the loan officer  XXXX   XXXX   XXXX  several times but he never answers the phone or calls back to clarify about the increase in interest lead that ultimately lead to an increase of {$35.00} in my monthly payment. In this whole process they approved my loan two times and pulled up my credit scores  XXXX  times because of their own mistake of delaying the house construction. Recently they scheduled my closing on  XX/XX/XXXX  which they again changed to  XX/XX/XXXX  and i am still not sure about that. I am very disappointed with he whole process. No one in the entire process from the project manager, loan officer to the settlement person knows that whats going on and what will be the right dates. I have saved all my communication and documents with them and i will attach the loan estimates and disclosure with this complaint.
Product: Vehicle loan or lease

My car was repossessed a few weeks ago. I called them and told them to please come get the vehicle. It was a financial hardship on me and I could no longer afford the vehicle. They never come to get it till a few weeks ago. I had filed a complaint on my credit report and shortly after that they did send a recovery tow service to take the vehicle. The problem now is they are still reporting the vehicle as not paid and late on my credit report. The vehicle was a voluntary repossession due to financial hardship. My last known payment to IDA finance company on the vehicle was in XX/XX/2019. I need this to be resolved. When I call the company they are very rude and unprofessional to me and I feel I do not have to listen to people talk to me this way. The vehicle shows I owe over 10,000 and this vehicle XXXXXXXX XXXX XXXX value is only around 6,000. I had only paid a little over 2,000 towards the vehicle when it was repossessed due to the way the principal and financing of the vehicle. I would have never paid this vehicle off! Please help me resolve this!
Product: Debt collection

Disputed this claim with the landlord of   XXXX   XXXX   XXXX   XXXX  ,  XXXX , KY. Charged for utilities after I moved. Due to renovations conducted the apartment became a health hazard. I paid rent due according to the lease. They were obstinate about paying utilities no longer in use after I moved and entered the apartment after I left and were working on it while I still had time remaining on the lease. I do n't know when they allowed another occupant into that apartment. It has been reported to   XXXX   and to  XXXX . Online disputes to no avail.
Product: Credit reporting

XXXX XXXX XXXX XXXX has fraudulently added an additional account with XXXX, instead of correcting the account that was charged off and closed prior to filing Chapter XXXX in XXXX 2015. I want the XXXX account that was added with ill intent deleted. I want the 0ther account to show no balance. No payment or balance history past the filing date. The date of Major Delinquency is XXXX. All this needs to be corrected XXXX accounts in violation of FDPCA and FCRA deleted.
Product: Credit reporting or other personal consumer reports

My data was a victim or a data breach, XXXX XXXX XXXXXXXX and my health insurance. I am writing to dispute accounts on my credit report that were fraudulently opened without my knowledge or consent. I believe I am a victim of identity theft, as these accounts do not belong to me, and I have never authorized them. I request that these fraudulent accounts be investigated, removed from my credit report, and any associated negative information be corrected immediately. Please let me know if additional documentation or information is required to resolve this matter.
Product: Credit reporting or other personal consumer reports

I have had XXXX  companies ran my credit and have left hard inquiries on my credit report none of which I authorities XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX CBNA Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found out that I am a victim of the XXXX  security breach. As a result of this I wanted to put in an extended fraud alert. the company website does not give access to a phone number to do so without " becoming a member '' meaning they wish to collect even more information. The XXXX number for the victims basically verifies that we are victims but provides no other services. My attempts to call XXXX failed even after a total of XXXX mins on the phone on 4 different occasions. Similar failures occurred in regards to placing fraud alerts with TransUnion and XXXX as well. 

I am requesting that you contact these companies and have them provide us the assistance we need- we are victims of their greed and incompetence, and they have gone unregulated for too long. Please do help.
Product: Credit card or prepaid card

I had an American Express XXXX XXXX. XXXX switched to XXXX XXXX. I mistakenly sent a {$310.00} payment to the Amex account instead of the XXXX account on XX/XX/XXXX. My bank shows that the payment was processed. XXXX is telling me I have to work with Amex to find the payment and they are not allowed to contact Amex regarding customer payments. 

I've made several calls to Amex, approximately 6 calls, spoke with at least 20 different reps and spent more than 5 hours since my first call.. The most recent was last week, XX/XX/XXXX with the Amex Corp Office. Finally someone confirmed they received the payment on XX/XX/XXXX for {$310.00} and asked me how I would like it refunded. I said wired back to the account the payment came from. I gave my ckg acct #, and routing # and the rep told me the money would be in the account in 3-5 business days. Today is the 7th business day and there is no money in my account. I made a call today XX/XX/XXXX and spent 45 minutes on the phone with Amex to be  told they could not find the account because they no longer have access to it. They kept referencing my corporate card account and I repeatedly told them that is not the correct account. I was told by XXXX/amex rep I would hear something back in about a week and it should be resolved in 2 weeks. I have 0 confidence this is the case. XXXX told me to call the number on the back of my card and I again had to tell her I don't have the card because it was closed 2 or more years ago. Then she said. Oh! Right. I forgot that. I hung up the phone feeling aggravated and defeated and know that I will spend more of my life on the phone with Amex because I will have to call them back to again try to resolve this issue. I've got {$310.00} of my money floating around Amex and no one is trying to help me get it back when it's been confirmed they received it. What can I do??
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I reviewed a copy of my credit reports and noticed fraudulent activity. There were unauthorized inquiries from XXXX XXXX made by the person who stole my identity and an account from XXXX which was the result of identity theft. 

I contacted Transunion and notified them that my identity had been stolen and for them to remove the unauthorized credit inquires from XXXX Bank and an account from XXXX XXXX XXXX XXXX which had been opened by whomever stole my identity. 

Transunion has refused to delete the unauthorized credit inquiry from XXXX XXXX  and the credit account appearing on my credit report from XXXX XXXX XXXX XXXX even though I have sent them the documents requested. They only sent me a letter but didn't block the fraudulent account and inquiry appearing on my credit report. 

As per the fair Credit Reporting Act, they are supposed to remove all inaccurate information from my credit report which they have not done. 

Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ) of XXXX FCRA is the law governing the accuracy and privacy of credit reports. XXXX amended the Fair Credit Reporting Act in XXXX to strengthen and add to the protections for victims of identity theft. These laws require consumer reporting agencies ( CRAs ) and creditors to help victims recover from identity theft, and allow consumers to place alerts on their credit files if they are or believe they may become victims of identity theft ( fraud alerts ). Consumers have the right to dispute inaccurate information, and CRAs and creditors must investigate the claim and correct information if it is inaccurate. The laws also entitle consumers to a free credit report once per year from each of the three credit reporting agencies. As part of the responsibilities under FACTA, the Federal Trade Commission and the federal financial agencies established " Red Flag Rules '' requiring creditors and financial institutions to establish programs designed to address identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE : XX/XX/2018, LOAN AMOUNT {$1300.00} AND {$2000.00} THIS LOAN SHOULD HAVE BEEN A XXXX BALANCE. THIS LOAN WAS ALSO TRANSFER TO ANOTHER LENDER ( XXXX ) WHICH I AM ALREADY MAKING PAYMENTS TO
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I received a notice from TD Auto Finance ( XXXX XXXX XXXX, XXXX XXXX ) that my payment was due by XX/XX/XXXX of {$390.00}. However, TD Auto Finance did NOT send me a XX/XX/XXXX statement, and I had already made a payment by my no. XXXX for {$750.00} on XX/XX/XXXX. My records show the check was cashed by TD Auto Finance but they have thus far FAILED to apologize for the missed statement nor have they updated my account. I found their on-line website impossible to use as they demand social security number to access their portal. I have NOT received any written confirmation that my account has been updated. I normally pay more than the minimum, and in fact have paid down the owed amount much faster than the usual TD Auto Finance customer. I am requesting that TD Auto Finance apologize for their heavy handed letter, and provide a written confirmation that my account has been updated. 

I reserve the right to litigate should any derogatory information be forwarded to any credit reporting agency.
Product: Debt collection

Complaint Against XXXX XXXX XXXX XXXX for Violation of Fair Debt Collection Practices Act ( FDCPA ) I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding a violation of the Fair Debt Collection Practices Act ( FDCPA ) during their debt collection activities. On XX/XX/2023, I received a letter from XXXX XXXX XXXX XXXX, and I believe they failed to provide me with a dispute address or option, thereby infringing on my rights as a consumer. 

Details of the Complaint : - Collection Agency Name : XXXX XXXX XXXX XXXX ; Firm Contact # XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA, XXXX. On letter, collector is seeking to Collect a lump-sum amount {$2200.00} out of alleged balance of {$3200.00} electronically to XXXX XXXX XXXX 
XXXX : The letter was dated XX/XX/2023 - XXXX  : The letter sent by XXXX XXXX XXXX XXXX XXXX not include any information regarding a dispute address or the option to challenge the validity of the debt, which is a clear violation of the FDCPA. 
- Request : I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX to ensure their compliance with the FDCPA. Additionally, I urge the collection agency to rectify their actions promptly and provide the necessary dispute address, as required by law. 

I am deeply concerned about the collection agency 's failure to provide me with essential dispute information, denying me the opportunity to verify the debt 's validity. This conduct is in direct violation of the FDCPA, which is designed to protect consumers like myself from unfair and deceptive debt collection practices. 

I appreciate the Consumer Financial Protection Bureau 's attention to this matter and look forward to a thorough investigation and resolution. If any additional information is required from my end to assist in the investigation, please do not hesitate to contact me. 

Thank you for your prompt attention to this complaint.
Product: Mortgage

Following up on case # XXXX Bank of America has responded via mail date XXXX XXXX, 2016 enclosing multiple copies of the ( 1 ) promissory note and security agreement ( 2 ) Affidavit of lost note. 
( 3 ) Settlement statement and service notice. 

However, they failed to include : ( 1 ) Name of investor/ promissory note holder prior to BofA losing the note and after they lost the note. 
( 2 ) BofA states that they indeed filed a XXXX but did n't include a copy of the document as well as did n't indicate whether it filed for release or not. 
The XXXX system does n't reflect any XXXX ever filed by BofA
Product: Credit reporting

It is listed on my credit report on Equifax that XXXX XXXX ( XXXX XXXX ) as a current open account and not being paid. I have disputed this issue repeatedly with Equifax , Equifax stated that if it does not state XXXX XXXX in the bankruptcy papers, then they will not list the debt as included in BK. Per. Chapter XXXX bankruptcy it does n't matter if the debt is listed by original creditor, or the creditor that bought account, or turned over to another collection agency, the debt still must be noted per. United states Bankruptcy court that they debt is being discharged through chapter XXXX bankruptcy. Equifax states that if it does not state original debt then they do not have to acknowledge that the debt is included in chapter XXXX bankruptcy. They continue add on my credit report that XXXX XXXX is open and never paid even though it is under the most recent credit that handled the account for recovery for XXXX XXXX is listed by that creditor under chapter XXXX bk documentation. Also the date since the account was listed when I filed a rebuttal was XX/XX/XXXX, when I called they then update it XX/XX/XXXX for XX/XX/XXXX. That is illegal, and a lie, they debt has been listed on my credit file since XX/XX/XXXX. Plus this account is listed under the recovery service at the time the chapter XXXX was filed, they refuse to acknowledge or even note on this XXXX bill listed as ( XXXX ) that this account is old, and also listed in my chapter XXXX bk, and should not be in open unpaid debt. I have called and disputed this issue the last 4 months. There last response was if it was listed that fixed it. But how did you fix it when some accounts are still not listed as closed. Equifax should staty abreast with legal status regarding chapter XXXX bankruptcy codes and regulation. I 'm, tired and whether disputing, calling, or forwarding documentation they will not fix any of your credit file. I 'm tired I even want to get an attorney and sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

All credit card accounts on my account was opened fraudulently I had no knowledge of the accounts someone is pretending to be me and stole my identity
Product: Mortgage

I had a new appraisal done on my home which shows i have 23 % equity in my home and requested that my PMI be removed. The FHA rules says PMI should end when you have 22 % equity in your home. I have 23 % and the mortgage company states that their rule is 75 % ( 25 % equity ) instead of the FHA rule of 78 % ( 22 % equity ). 
My new appraisal i submitted to Standard Mortgage was {$440000.00} and my principle balance is {$340000.00} which is 77.38 % ( 22.62 % equity ).