23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I locked in an interest rate on a mortgage refinance with Loandepot. 

On XX/XX/XXXX, I received an email from Loandepot stating that my loan had been approved and asking for recent statements. I provided the requested statements the next day ( XX/XX/XXXX ). 

On XX/XX/XXXX, an appraisal report was delivered to Loandepot. 

On XX/XX/XXXX, additional bank statements were requested. I provided the statements to Loandepot the same day. 

On XX/XX/XXXX, Loandepot informed me that my loan was sent in for final approval and that a response would take 2 - 3 days. 

On XX/XX/XXXX, Loandepot informed me that my closing disclosure was ready. I reviewed the disclosure and found it to be inaccurate. I requested a corrected closing disclosure. After numerous requests for a corrected closing disclosure Loandepot has yet to provide one ( today 's date is XX/XX/XXXX ). 

On XX/XX/XXXX, Loandepot scheduled the closing signing for Friday, XX/XX/XXXX, at XXXX XXXX, at my home address. 

On XX/XX/XXXX, prior to XXXX XXXX, I was contacted by the mobile notary contracted by Loandepot and informed that she had not received the closing documents. I contacted Loandepot and was not offered an explanation. Loandepot did not provide the closing documents to the mobile notary. 

On XX/XX/XXXX, Loandepot contacted me to schedule the signing of the closing documents a second time. We discussed scheduling the signing for XX/XX/XXXX, at XXXX XXXX., at an address in Arizona ( due to travel plans, Loandepot agreed to schedule the signing at the Arizona location ). Loandepot never followed-up and never scheduled the signing. 

After numerous phone calls to Loandepot between XX/XX/XXXX and XX/XX/XXXX, and with several promises by Loandepot customer service to have someone contact me to schedule a document closing, I finally spoke with XXXX XXXX, Sr. Account Manager with Loandepot XXXX XXXX XXXX assured me that she would provide me with a corrected closing disclosure by close of business Friday, XX/XX/XXXX, and agreed to schedule the closing for Tuesday, XX/XX/XXXX. 

As of today, XX/XX/XXXX, I have not received a corrected closing disclosure or a confirmation of the closing schedule. 

Additional information : as early as XX/XX/XXXX, my current mortgage holder indicated that Loandepot had, via business to business transaction, assumed management of my mortgage. This, despite the fact that I have not signed any closing documents.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt in order to file as ordinary income. Where is my 1099-C XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX terms and conditions they agreed not to share my information with non-affiliates. XXXX, XXXX and Equifax are not an affiliate of XXXX XXXX nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Product: Payday loan, title loan, personal loan, or advance loan

Since XX/XX/year>, I've been preyed upon, intimidated, harassed, bullied & coerced into believing that I can't get out of this so-called contract with XXXX with XXXX. I've on multiple occasions expressed disinterest in wanting to continue to pursue this so-called opportunity/position. As of XX/XX/year>, there is also a loan for {$2500.00} through Affirm that is connected to this situation that Affirm XXXX XXXX has told me I pretty much can't get out of because of the contract that I signed with Scaling with Sales. I did not have a full grasp of what they wanted of me until I got access to their " training videos. '' I don't agree with their predatory tactics and would not feel right about doing that to try to trap others like myself into a similar situation with the company. I started a dispute through Affirm. When that happened, someone from Scaling with Sales customer service called me and convinced me to cancel my dispute citing that I willingly signed a contract and I could get transferred to the department that lines up with what I applied for after I make 10 " qualified appointments, '' but couldn't be considered for such a move with a dispute against the company. My dire home/financial situation was also brought up thus manipulating my emotional reasons for trying to get a good job. I was left feeling like I was stuck so I might as well try the job despite my reservations about the work and the nature of the work. On multiple occasions I expressed that I did not want to do the job and I wanted to have my loan canceled via messages and email. While not exactly being sure who to reach out to, rather than start the predatory work they wanted me to do, I started to look into the company and found that I'm not the only person to fall prey to the company and Affirm's/Copecart 's unwillingness to help victims out of scam type of situations with the company. Steps were listed with organizations to reach out to and file the necessary complaints with to get help to have my predatory loan canceled. This is the start to me taking those steps. 

www.scalingwithsetters.io/program is their website that shows their " program. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Capio Partners Account # XXXX, has violated my rights. 

15 USC 1681 SECTION 602 STATES I have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as a late for any purpose
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXXXXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXXXXXX XXXX shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card or prepaid card

I paid off my Bank of America credit Card on XX/XX/XXXX And had a {$0.00} balance. On Monday XX/XX/XXXX I had a XXXX balance before I used my card and purchased {$390.00} total. On Tuesday XX/XX/XXXX I paid {$400.00} onto my card. on XX/XX/XXXX I was told I owe {$22.00}. I was told I was being charged interest. But my card was paid in full. I tried to speak to customer service but the wouldnt wave the fee.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX INQUIRE ON MY CREDIT. THIS appear on my credit i did not authorized XXXX  to run my credit and my score drop and making me stress cause i cant qualify to buy a home to live. law 15 u.s c 1666b error on credit
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and courtdocuments.
Product: Credit reporting or other personal consumer reports

I bought a few cars. When I go to the dealership I tell them I already want to do business with a certain Bank, like XXXX XXXX or XXXX XXXX. I tell them not to run my credit through anyone else. but they do it anyway and send me to XXXX or XXXX banks to try and get a better deal without notifying me or without my permission. Per credit reporting bureaus I have to contact these banks to have them remove their inquiry. I've contacted these banks and they all say they don't have my information on file. So I was told I can get help here. Thank you, Below are the list of banks and companies that were not authorized to check my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXu
Product: Mortgage

A modification package was sent to Wells Fargo. They reviewed the file and employee XXXX ID XXXX confirmed the file is complete, but that they are not able to continue to review the file as they got it 7 days prior to the scheduled sale date. She claimed they needed the package " 8 days '' prior to the sale date. I asked for a supervisor to confirm that info and she placed me on hold and staed no one was available, that she can have one call me back in 48 hours. 
Our office contacted Wells Fargo Executive office and spoke with XXXX XXXX XXXX. We explained the issue sand he stated he will open an escalated case. 
The issues with Wells Fargo is that they are dual tracking. They received the file. They reviewed the file. They determined the file was completed. Then Wells Fargo stated they will not review due to a foreclosure sale date. Please review HAMP Handbook 4.0 Chapter V Protections against Unnecessary Foreclosure states the following:3.4.1 Suspension of Referral to Foreclosure A servicer may not refer any loan to foreclosure or conduct a scheduled foreclosure sale ( except as provided under Section 3.4.2 ) unless and until the servicer has resolved the Escalated Case in accordance with Section 3.3. 
3.4.2 Suspension of Scheduled Foreclosure Sale When a servicer receives an Escalated Case from a Requestor after a foreclosure sale date has been scheduled and the Escalated Case is received no later than midnight of the seventh business day prior to the foreclosure sale date ( Deadline ), the servicer must suspend the sale as necessary to resolve the Escalated Case. Servicers are not required to suspend a foreclosure sale when an Escalated Case is received after the Deadline. The servicer will not be in violation of this Section to the extent that a court with jurisdiction over the foreclosure proceeding ( if any ), or the bankruptcy court in a bankruptcy case, or the public official charged with carrying out the activity or event, fails or refuses to halt the sale after the servicer has made reasonable efforts to move the court or request the public official for a cessation of the sale. The servicer must document in the servicing system and/or mortgage file if the foregoing exception to the requirement to suspend an existing foreclosure sale is applicable. If an Escalated Case is pending at the time of a foreclosure sale, the servicer must still resolve the Escalated Case in accordance with Section XXXX and, when appropriate, the servicer will be required to take corrective action even if the foreclosure sale has taken place. 
On XXXX XXXX, 2016 " Servicer '' confirmed the above mentioned borrower and location was currently " Reviewed '' for any/all loan modifications in accordance with but not limited to HAMP Tier One, HAMP Tier Two, or any available " In House '' modifications. 
At this time we are demanding that the scheduled sale date set for XX/XX/2016 be postponed.
Product: Checking or savings account

Tried to deposit a foreign-bank issued Manager 's Check ( XXXX XXXX ) into our Wells Fargo checking account at our local Wells Fargo Bank branch. Their Foreign Exchange Collection Dept.  was not able to process it apparently because of a regulation by the XXXX XXXX XXXX XXXX XXXX. When we tried to retrieve the Check from our local branch, we were told that their Collections Dept. did not return the Check and was further informed that the Check is not negotiable anymore because it has been stamped by Wells Fargo I contacted the Collections Department to try to retrieve the Check from them, but was told that they actually returned the Check to the local branch. Confronted with this information, the local branch admitted that the Collections Dept.  returned the Check, but they can not locate it any more. In order for the XXXX XXXX  to put a Stop Payment on the Check and replace it, the purchaser of the Check has to sign a notarized Affidavit of Loss and purchase an Indemnity Bond in the amount of XXXX pesos. The problem is, my XXXX-year old Aunt who purchased the Check, lives in XXXX XXXX XXXX. She purchased the Check when she was visiting relatives in the XXXX. She needs to either go back in the XXXX to take care of the situation or perhaps, have someone with a Special Power of Attorney take the appropriate actions on her behalf. Nonetheless, any action will require her to have either the notarized Affidavit of Loss or Special Power of Attorney authenticated by the Secretary of State of XXXX XXXX and further authenticated by the XXXX Embassy, which is located in XXXX XXXX All these things have to be done within one-year from XX/XX/2018.
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.

has violated my rights. Or a 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: Credit reporting or other personal consumer reports

I have repeatedly asked the Credit Bureaus Transunion, XXXX, and XXXX to accurately update and report my correct information. To include removing undeliverable addresses, accurately stating my name, phone number, D.O.B and employer. I have also asked to have inquiries that I do not recognize to be removed and updated as it is my right to have a consumer report that reflects an up to date and accurate account of my consumer report. I have notified the above listed companies and there has been no response and no change. This is causing damage to my credit profiles as potential institutions and companies are confused by the mismatch of information being reported.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute specific inaccuracies in my credit report as outlined in the Fair Credit Reporting Act ( CRA ), particularly under 15 USC 1681. I believe that the following account has violated my federally protected consumer rights regarding privacy and confidentiality. 

Upon receiving another verification from your company to my credit report on XX/XX/year>, I identified several discrepancies that do not accurately reflect my credit history. Under 15 USC 1681 ( e ) ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in reports.

Despite my previous disputes regarding this matter, the inaccuracies have remained verified, which is a clear violation of my rights as a consumer. According to 15 USC 1681i, if an item is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, the consumer reporting agency is obligated to promptly delete or amend the erroneous information.

Additionally, under 15 USC 16815-2, it is prohibited for any individual to furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

I have attached documentation demonstrating that all three credit bureaus contain incorrect dates of last activity and inaccurate instances of late payments. These discrepancies not only contravene the law but also infringe upon my consumer rights.

Therefore, I demand the immediate deletion of this account from my credit report.

Please be advised that I am actively pursuing legal action in the amount of {$1000.00} for each inaccuracy identified, in accordance with the FCRA. If account information must be removed with 4 business days of this notice.

Thank you for your prompt attention to this matter. I look forward to your swift response.