23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My refinance loan was rejected by Processing Department based on incorrect information about two disputes that are over three years-old and/or paid in full. According to federal governments underwriting rules disputes over two years old and paid in full should be EXEMPT from consideration by the processing department. I suggest Mr. Cooper re-check their interpretation of the loan processing guidelines for these two disputes : 1. My wife 's credit report has a XXXX XXXX account ending in XXXX for {$460.00} is OVER 2 YEARS OLD and was PAID-IN-FULL 2. My credit report has nothing more than a " dispute comment '' related to the XXXX XXXX account ending in XXXX. The attached snapshot from my credit report shows a date of XX/XX/XXXX - over THREE YEARS ago! And the balance on my credit report is XXXX. In fact, this credit card account is active and current on all payments. 

Please also note that I contacted XXXX  XXXX  to initiate the removal of these incorrect dispute comments, however, I don't think there is any valid reason under loan processing guidelines for my loan to be rejected over these disputes even if they are on my credit report. These disputes have nothing to do with my creditworthiness. 
I have owned my home since XXXX and was never late on the mortgage for over 18 years. 

I have a strong income and huge equity. The underwriters keep coming back to ask for very small value items and they require conference calls with creditors to clear up trivial items. A huge waste of time and a very unprofessional company.
Product: Debt collection

To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from Synerprise Consulting. I reached out to this institution via phone # ( XXXX XXXX XXXX twice on XX/XX/2020. I advised her I do not have an account with Synerprise Consulting and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from Synerprise Consulting. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism.
Product: Checking or savings account

I applied for a loan through my wells fargo account and was denied. I was attempting to secure a loan as my lease was up and was required to move. I found a lender which in turn was a fraudulent person. In turn, this person deposited {$400.00} into my account using fraudulent checks in my name when I was told it would be an electronic transaction. I don't deny my navety in this but in turn, I lost the money, my account was blocked and then closed for XXXX weeks. I had to persue other options such as payday loans and title loans as my money was held until they did their investigations. Not once did anyone reach out to me to inform me of the progress of the situation all the while they held onto my money. I have a family that I support on my own and that money almost cost me our home as well as every day needs. I am now attempting to reopen my account but am being told I am never allowed to have an account with wells fargo again as if I was the criminal in this instance. I was robbed, lost money and almost lost our home because of this and now im being ostracized by wells fargo for this.
Product: Money transfer, virtual currency, or money service

I have opened an account with Coinbase more than 3 months ago and deposit a large sum to purchase crypto currency. They locked my acccount for more than 3 months now. I have no access to my account and dont know what is going on with my balance when I called customer service at coinbase they were helpless. They responded by oh sorry but we have our specialist working on the case and we could not tell you how long it would take? I am worry about my money and dont know what they do with it. Please investigate this matter case # XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I have paid this company my XXXX payment on XX/XX/21 the due date of {$350.00}. I have paid them over {$200000.00} dollars within the last 35 days. They keep calling asking for payments. I called several times but they refuse to help, only ask for a payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Request to Delete Late Payment Information To whom it may concern, In accordance with the 15 U.S.C. 1681 aka the Fair Credit Reporting Acts ( FCRA ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I am requesting for the removal of two ( 2 ) incorrect late payments information on my credit report with my Chase Bank credit card account. The information is listed below for your information and request that you investigate and remove my late payments from my credit report. 

ADDITIONAL INFROMATION I had this account open since XX/XX/XXXX with no late payments. I was marked 30 and then 60 days late on my credit report during the XXXXXXXX XXXX XXXX  I understand other consumers were given deferments so that they did not have to make payments under the CARES Act, including myself. I was in constant communication with the Chase Bank, and we had agreed to make the payment due on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am requesting that the late payments be removed from my credit report. 

REMOVE INCORRECT LATE PAYMENT INFORMATION I am disputing the following incorrect late payment below ( XXXX ) and ( XXXX ), in which Chase Bank and I agreed for me to pay the necessary amounts on XX/XX/XXXX and XX/XX/XXXX respectively : XXXX. Chase Bank, credit card payment due on XX/XX/XXXX - Paid as agreed on XX/XX/XXXX XXXX. Chase Bank, credit card payment due on XX/XX/XXXX Paid as agreed on XX/XX/XXXX My latest communication with Chase Bank was on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX and they confirmed the accuracy of the information above. 

Pursuant to FCRA {$1600.00} under reinvestigation procedures, youre allowed you 30 days to complete this investigation, after which I authorize you to mail me my updated credit reports along with the investigation results, I am asking that you verify the account directly with the source of the information. If the account is verified, I will require that you provide me the mode and method of communication and verification you received from the furnisher. 

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

YOU ARE BREAKING THE LAW!! It is illegal to furnish income on a consumer report! A charge-off, according to the IRS is defined as gross or ordinary income and income is not supposed to report on my consumer report! You HAVE NOT sent me a 1099C! 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.I demand you remove the following information from my consumer reports immediately ; ONEMAIN opened XX/XX/2021 for {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  approved my deferment and I paid as agree an the applied it to my principle balance and never updated my credit to paid or honored my deferment. They violated my credit rights. I attached the proof. I want account XXXX from my credit report. I was never late. 

XXXX Collection account. {$21000.00} past due as of XXXX XXXX added a collection to my credit. I never was contacted by these people. I have no other loans out their. This is ruining me to get my graduate loan. I would like this collection removed from my credit immediately. Its is against my fair credit law. I do not have any documents pertaining to this account XXXX remove an address from my account XXXX XXXX XXXX XXXX XXXX, NJ XXXX. I lived in Florida for the past 4 years. I am XXXX XXXX XXXX XXXXXXXX. This is bringing stress on me. I dont want to loose what I worked so hard for. XXXX is the only bureau reporting this address. lease I beg remove it. I dont wany someone to be using my credit.
Product: Credit reporting or other personal consumer reports

In violation of 15 U.S. Code 6802, it has become clear that DISCOVER has disclosed my nonpublic personal information to at least 3 non-affiliated parties XXXX, XXXX, and XXXX. As defined at 16 CFR 313.3 ( k ) ( 2 ) Personally identifiable financial information includes : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ''. Per 15 USC 1681 ( Fair Credit Reporting Act ) and 15 USC 6802 ( Gramm-Leach-Bliley Act ), as a federally protected consumer, financial institutions are required per 16 CFR 313.7 ( a ) ( 1 ) to provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state a reasonable means by which the consumer may exercise the opt out right.

DISCOVER has never given me a reasonable means of opting out of disclosure of my nonpublic personal information per 15 U.S. Code 6802, as required by law. I expressly OPTED OUT on XXXX XXXX XXXX of any and all authorization that I may have given DISCOVER to disclose any of my personally identifiable financial information, whether such authorization was written, unwritten, verbal, non-verbal, implied, or assumed. I have recorded over XXXX violations of my privacy regarding my accounts with DISCOVER since XXXX

Furthermore 15 U.S. Code 1681adefines ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. DISCOVER is willfully disclosing reports containing information solely as to transactions or experiences between DISCOVER and I to non-affiliated third parties.

Pursuant to 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( c ) Partial opt out. Financial Institutions may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out. 

I have received no response after my express OPT OUT, and are still disclosing my nonpublic personal information to XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with this unknown collection. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XX/XX/XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name :XX/XX/XXXXXXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXX/XX/XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXX/XX/XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXX/XX/XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. I believe I may have been a victim of identity theft due to a data breach.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries listed below are not mines. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX
Product: Debt collection

In XXXX, as CEO of XXXX XXXX XXXX XXXX, I applied for a company credit card through Chase Bank. It was specifically agreed between Chase and myself that the card would be a company card with no personal liability to me or anyone else but, rather, the obligation of XXXX XXXX XXXX XXXX My application in XXXX specifically included the fact that it was a corporate card with no personal liability to me or any other person. 

The account was properly used and paid by XXXX XXXX XXXX XXXX for seventeen years and, upon the corporations dissolution on XX/XX/XXXX, I notified Chase in writing of the status ( see attachment 1 ). Throughout the seventeen years, all bills and payments were sent to and paid by XXXX XXXX XXXX XXXX and sent to XXXX XXXX address. I have advised Chase in writing and on the telephone that there is no personal liability, as per their own application, to me or anyone else. I have repeatedly asked them for a copy of any documentation indicating personal liability of any sort ( see attachment 2 ). Please note that some of the communication was undertaken through a power of attorney to my brother, XXXX XXXX, as I was in a XXXX XXXX medical emergency. They approved and accepted this power of attorney ( see attachment 3 ).

We have contacted all three credit agencies informing them that Chase was forwarding them false information regarding the liability for the card and, similarly, advised Chase of these notices ( see attachment 4 ). For sixteen months, Chase has failed to acknowledge any of our communication, failed to forward our XXXX application and failed to contact any of the credit agencies to correct Chases false reporting as to my personal credit. In addition to our written correspondence to Chase, we have had approximately twenty phone calls to Customer Service, Credit Card XXXX, XXXX XXXX and a faxed letter to Documents ( see attached 5 ). All the calls were recorded by Chase. At no time has Chase responded to our communications, forwarded us our application or done anything to alter their false allegation as to my personal liability. As a direct result, my credit score has plummeted and I have been unable to undertake any necessary transactions. Chase continues to assert that I am personally liable for the card balance, with no evidence whatsoever of such allegation, and has hired a collection agency to harass me. 

The card has not been used since XXXX XXXX dissolution in XXXX, XXXX, but Chase continues to charge interest each month and allege that it is my debt, despite the above described multiple notices to the contrary. 

At the very least, I am asking you to force Chase, under FCRA and FDCPA, to immediately provide me with responses to my complaints to them, provide me with the application they claim establishes personal liability and copies of their responses to the credit agencies. In addition, I would like to know my remedies for the failure of Chase to fulfill their obligations under the above laws and for forcing Chase to cease alleging this is my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, on XX/XX/XXXXI mailed an identity theft affidavit along with police report and supporting documents showing that accounts on TransUnion credit report are fraudulent and not associated with me. I also attached a letter outlining each account and requesting that they be blocked under FCRA 605 ( b ). On XX/XX/XXXX I contacted Transunion and spoke to a supervisor, I was informed that my identity theft affidavit and police reports were received by TransUnion onXX/XX/XXXX, however instead of blocking these accounts TransUnion sent each account for verification with the furnishers. I explained that I am a victim of identity theft and that I 'm not asking for verification of these accounts but requesting that they be blocked and removed due to identity theft ; I also stated that under FCRA 605 ( b ) the furnisher has nothing to do with identity theft exclusion and that they are willfully ignoring federal law. The TransUnion representative responded with " I do n't care this is how we do things ''. TransUnion is negligently reporting fraudulent accounts on my credit report and completely ignoring the fact that I have been affected by identity theft.
Product: Credit card

In XX/XX/XXXX, I discovered a discrepancy on my credit report involving a Capital One account indicating a 120-day late payment, purportedly opened in XX/XX/XXXX. Despite my vigilant monitoring of credit activities, I did not receive any notifications regarding this account. This lack of notification stemmed from the account being associated with two previously closed Capital One accounts, which intermittently sent notifications. Upon identifying this anomaly in XXXX, I promptly took corrective measures to address the issue. This included initiating the closure of the account and requesting its removal from my credit reports. Subsequently, I undertook a systematic approach to address the matter, involving the submission of an identity theft report to the FTC, filing a police report, and engaging with the relevant credit bureaus and Capital One. To facilitate a thorough investigation into the fraudulent activity, I requested comprehensive documentation from Capital One, including the account application, transaction statements, associated business information, and digital identifiers of the alleged account holder. This request was made in accordance with established protocols and regulations governing identity theft investigations. It is pertinent to note that the nature of the account in question was a business card, associated with a business entity not affiliated with my own. This further underscores the seriousness of the fraudulent activity and its potential implications. Despite my efforts to resolve the matter amicably and in accordance with legal provisions, I have encountered challenges in obtaining the requested information from Capital One. Furthermore, the recent communication from Capital One asserting the validity of the account without providing substantiating evidence is concerning. In light of these developments, I believe that Capital One has violated the Fair Credit Reporting Act ( FCRA ). I remain committed to cooperating with all relevant parties to achieve a satisfactory outcome and mitigate any adverse impact on my credit standing.
Product: Debt collection

I don't know anything about this debt or company, XXXX XXXX XXXX XXXX XXXX received {>= $1,000,000} in XXXX money, This company is fraudulent and should be investigated