23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2018 at approximately XXXX. Received robocall from my XXXX area code ( caller ID was ( XXXX ) XXXX saying to press " XXXX '' to speak to agent regarding debt. Transferred to " XXXX '' claiming to be from XXXX XXXX XXXX in XXXX. Attempted to collect money for payment of a credit card with Citi bank that had been closed 6 years ago. Called number back and same woman answered with " hello '' and I asked questions such as " where are you located, why am I getting an XXXX number for a phone in XXXX '' and woman hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate the effort and time you spent removing a porttion of the fraudulent items off of my Credit File but upon further inspection of my Creditr File. I noticed that there are still a bunch of fraudulent accounts and information being reported. Once again, I was a victim of identity theft and that the disputed items are the results of such crime. I have read that under the Fair Credit Reporting Act section 605, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I am submitting this CFPB Complaint to request once again to remove the fraudulent accounts and information off of my Credit File. Please help me remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2000.00}. I would also like to request that you send me copies of proof of verification or proof of ownership ot any documents you found during your investigation suggesting that I own these accounts. If you find no related documents, immediate removal of the disputed accounts will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting inaccurate information on my credit report regarding my credit card bill. It is reporting as {$150.00} past due also XXXX  days past due. I have never been late on this bill. 

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

Navient continues to violate my right to privacy, which is a violation of the XXXX XXXX XXXX XXXX. Even after when I made them aware of the federal laws they are breaking by sharing my nonpublic personal information WITHOUT my consent. They have willfully ignored my request to opt out of sharing my nonpublic personal information with other nonaffiliated XXXX parties. Navient continue to aid with consumer reporting agencies to furnish negative information in the form of " late payments '' on my consumer report without my consent in their attempt to extort me on this extension of credit. They make false statements stating that " they are consistent with industry standards '' when the Fair Credit Reporting Act don't requires them to furnish information about me without my consent when Credit Reporting is OPTIONAL WITH MY CONSENT. I have suffered monetary actual damages from the results of Navient furnishing this inaccurate information, damaging my reputation and restraining me from operating in commerce in which the banking system is dependent upon! I have tried to resolve this issue through a direct dispute and indirectly through the consumer reporting agencies that they are furnishing this information to. *see attachments*
Product: Mortgage

Wells Fargo Home Mortgage I feel due to my age, race, gender, martial status I have been discriminated against and denied a fair shake at obtaining a refinance on my mortgage. 

I was denied for the loan I requested BUT was approved for a less desirable loan by underwriting without a home appraisal. 

Ive been in touch with the mortgage broker again today asking for rates on the inferior loan they did approve me for and was told I needed to now have {$250000.00} in my account. I replied that is not a problem, there is currently {$180000.00} in cash in my Wells Fargo accounts today and the rest could be transfers over to reach the {$250000.00} minimum. I asked if he could supply me with the current rates, and was told : Unfortunately, we cant quote a rate unless the funds have already been here for a full statement cycle at least 30 days but even as long as 60. 

I feel due to my race, age, marital status, gender Wells Fargo has not given me a fair consideration especially since my previous mortgage was with them, I have a XXXX credit score, no delinquencies, and my assists are liquid. 

I recently applied for and received an interest only mortgage from another bank without any difficulties which Wells Fargo said was a very difficult loan to be approved for. 

I can supply emails etc under separate cover if needed. 

Thank you
Product: Credit reporting or other personal consumer reports

Remove this fraud account from my credit report because I reach out numerous times that this account doesnt belong to me you report the information is verify by the creditor but when I ask the creditor for proof they dont have any proof I sign any papers or my identity this account is open fraudulent XXXX XXXX  XXXX and I have the right to a fair and accurate credit report and this information and account is not fair and accurate 1681 permissible purpose they never receive any written consent from me to publish or report anything on my credit report they can not send any proof of that just some information that was open online by someone else
Product: Mortgage

I am the owner of the property at XXXX XXXX XXXX, XXXX, VA XXXX. I obtained judgments against the original " lender, '' XXXX/XXXX/XXXX, case # XXXX, for FDCPa and TCPA violations, and the " servicer, '' XXXX, Case No. XXXX, for the same violations. I also sent a UCC 9-210 via certified mail, to both parties, and they tacitly admitted that the mortgage balance was XXXX. The first Default Notice was mailed on or about XXXX XXXX, XXXX, so the 6 year statute of limitations for both the UCC and the state of Virginia is well past that point. I rescinded the " loan, '' on XXXX XXXX, XXXX, by sending notice via Certified Mail, Return Receipt Requested to the alleged lender, Bank of America, N.A., and to the alleged servicer, XXXX XXXX XXXX. The US Postal ID number was XXXX for the former, & XXXX for the latter. I recorded a " Notice of Interest in Real Property '' in XXXX XXXX, VA, along with an affidavit.Pursuant to the Truth in Lending Act ( " TILA '' ) 15 U.S.C. 1635 and 12 CFR. 226.23, the rescission was effective the moment it was mailed ( see XXXX vs XXXX, XXXX XXXX ). Please notice that that decision said very clearly that TILA does not make a distinction between a disputed rescission or an undisputed one-in either case, any lien holders who wish to dispute the rescission must do so with a lawsuit, WITHIN 20 DAYS, otherwise their rights are gone forever-and they are obliged to return the canceled note, reconvey the property, and return all payments and closing costs to the owner. Not only did Bank of America and XXXX not follow that requirement, they are trying to commit fraud in collusion with XXXX by the attempted foreclosure of the home ( see attached ), by foreclosing on a home where the note and mortgage, by operation of law, were voided back in March-and they did NOT exercise their right of contesting the rescission within 20 days. A couple of recent blogs by noted foreclosure attorney XXXX XXXX shed light on what B of A are trying to pull-indeed, in the first article, XXXX was fined massive damages because of their fraudulent behavior, and when I last checked, XXXX XXXX, XXXX was nowhere to be found in the county recorder 's office. In the XXXX blog, which discusses the XXXX decision from XXXX, he had rescinded years ago, but was foreclosed on anyway, and now the court threw out XXXX Bank 's motion to dismiss. Incidentally, none of the categories below really fits, but I checked " Problems when you are unable to pay, Loan modification, foreclosure. '' XXXX https XXXX I also add that all of the parties are violating XXXX XXXX & XXXX XXXX deceptive trade practices against an elderly person, as well as my civil rights ( law of XXXX, attached ) by trying to deprive me of personal property without due process ( which is true of any deed of trust state, btw ).
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete certain inquiries from my consumer report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2.

I have identified the following inquiries on my consumer report as the result of identity theft and not transactions initiated or authorized by me : Listed in FTC Report In compliance with the requirements of 15 U.S.C. 1681c-2, I am providing the following documents and information : Proof of my identity A copy of the identity theft report Identification of the specific information : A statement declaring the inquiries are not authorized by me : I hereby affirm that these inquiries were not made by me or authorized by me in any capacity.

Under 15 U.S.C. 1681c-2, you are required to block the reporting of this information within four ( 4 ) business days of receiving this request and the accompanying documentation.

Additionally, I wish to remind you of your obligations under 15 U.S.C. 1681n. Any willful non-compliance with these requirements can subject your agency to liability, including actual damages or statutory damages ranging from {$100.00} to {$1000.00} per violation, as well as punitive damages and attorneys fees.

Please confirm in writing that you have received this request and that the inquiries have been blocked and removed from my consumer report. I request a confirmation letter within 30 days of this correspondence.
Product: Credit reporting

My husband and I sold our home in XXXX, XXXX XXXX. We paid our portion of the property taxes during closing to the new owners and they were to pay the taxes for the remaining portion of the year when the bill came out XX/XX/XXXX. They were late in making the payment. As a result, a predatory collection agency paid the taxes and put a lien on the property. They sent the new owners a bill for the taxes due and a hefty fee to remove the lien. She then paid the bill and the lien was removed a few months later. We were made aware of this when a credit report was pulled for my husband and I during our NC home purchase process. It seems that XXXX County does not immediately update the tax database when a home is sold to show the new owners. They wait until they issue the next tax bill. Our names stayed in the system from XXXX XXXX until XXXX XXXX when the next bill was sent out. When the new owners were late in making the payment, XXXX County sold the debt to this collection agency. It seems this is a controversial process they use to make it seem like they have a lower percentage of delinquent tax bills. There is big money involved. My home was nearly {$800000.00} and I do n't know if this collection agency does this for all price points, or just singles out higher priced homes. I filed a complaint with TransUnion and their solution was to show on my credit report and my husbands, that there was a lien and it was paid off. I explained everything, sent documentation and they think it is acceptable to simply say the matter is resolved because the lien was paid off. It never should have been on our credit reports to begin with. I will have to explain this every time I apply for large amounts of credit. As someone who pays bills on time and has a very good credit score, I want this removed from our credit reports. It was n't our lien.
Product: Debt collection

This is not my debt and the company has not proved otherwise or provided any information to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the Fair Credit Reporting Act, 605 Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years I have requested XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit card or prepaid card

In XX/XX/XXXX, Chase mailed and offered a balance transfer promo with a promotional rate of 0 % that " applies through your billing cycle that ends in this month XX/XX/XXXX. '' ( Quoted direct from promo mail. ) However, when I called on XX/XX/XXXX to inquire the customer service representative said that 0 % promotional rate would stop applying " XX/XX/XXXX. '' ( Quoted customer service rep 's words exactly as when the end date of the promotional rate to be applied would be. ) Therefore, Chase haphazardously or intentionally would receive one whole month of interest that would have been unbeknownst to me if it not was for my inquiry. Thus, the advertisement is misleading. Many customers are potentially at risk.
Product: Mortgage

My name is XXXX XXXX and I brought my home on XX/XX/XXXX and I was with a different a mortgage company when my difficult times begin. then my loan was transferred to another company. I lost a client due to Covid-19 and that was extra income on the side that helped me covered the mortgage payment. my husband and I separated therefore he is no longer in the household. Then my daughter is XXXX  and her son been trying to come since she was XXXX XXXX XXXX so they end up her on bed rest which result in her being place on XXXX XXXX with no pay. I started a new job as a XXXX XXXX XXXX but I ' m just getting started, I hoping that the company can do a forbearance for the two payments that I missed on XXXX and XXXX of XXXX so I can start fresh. XXXX I didn't plan or expect any of these to happen but things to do happen in life. I have XXXX and I had it since XXXX and in result I have two XXXX XXXX XXXX but I know one thing is that I don't want to lose my house. It took me six months to get in house then the week of closing my house catch on fire along with five other house, someone decided to smoking and throw the cigarettes but it was still lit.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, necessitates the elimination of any erroneous accounts from my credit report. Could you please verify the documents? Some of the accounts listed are incorrect in terms of reporting, with inaccuracies in the reported amounts and dates.
Product: Debt collection

Creditor agreed to remove my liability from the account and has removed from all CBR agencies.
Product: Mortgage

I 've been trying to get The Bank of New York Mellon to honor this agreement with your office. The Bank of New York Mellon and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. The Bank of New York Mellon never notified me of being in default nor have they sent any notice of acceleration. I have not received any statements as to who to pay from my original lender. The state court is fully aware the assignment is fraudulent ... because it was created and prepared by The Bank of New York attorney who is representing them in State Court. What is the purpose of the Consent Orders in XXXX, XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? What good is the Consent Order agreement if it is intended to be teeth less?
Product: Credit card

My identity was stolen from me over a phone coversation that I was led to believe I was talking to someone at XXXX XXXX and it turned out to be a scam. The person asked me information about myself that I believed was for the purpose of obtaining info. to open a XXXX acct. for myself. 
When I finally realized that there was something not right about the whole conversation I hung up the phone. 
On XX/XX/year> I received a letter from my credit card company stating that I owed {$3800.00} for services I never purchased. The service was for a XXXX gift card in the above amount. 
I sent a letter replying back to the company that sent me the letter explaining the problem and asked them to supply me with the What, where and when I purchased this service. I have not had a reply from them at this point. 
I also told them in the letter that my attorney suggested I relay to them that if I don't get a response that I will file a complaint with the CFPB of the US government. 
I am writting to you because I never purchased that amount of anything with my credit card and want it erased from my credit card account.
Product: Debt collection

I have disputed these account numerous time to end Transunion states they verified the accounts but according to law 15 USC 1681b I Never received a XXXX on any of the accounts they are reporting nor did I give anyone permission in writing to report these accounts on my report
Product: Payday loan, title loan, or personal loan

I was doing online inquiry in relation to a real estate purchase and I contacted support informing them the numbers were incorrect/old and told them I submitted page to proceed only to find the terms. They did not communicate with me and continued to process the loan. They sent an email in reply to the support request the day they processed the loan. I never agreed to finalize the loan.
Product: Credit reporting or other personal consumer reports

This letter serves as a second formal complaint that inaccurate and incomplete information is being reported on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately notation date and balance whether reported or not. 


The 30 days past due payments that are being reported are for months that I was granted an extension arrangement which according to XXXX policy : An extension arrangement is available to customers experiencing temporary, financial hardship to defer XXXX or more installment payments to the end of the contract term. 

When a payment is deferred to the end of the contract, the scheduled contract maturity date, or final payment date, will be extended by each installment that was deferred and may result in the assessment of additional interest. 

How can I be 30 days past due if I made a payment arrangement with XXXX within my due dates and before my grace period ended. XXXX never reported any past due payment until after my auto loan was paid in full. 
I started applying for extensions because of billing errors on XXXX end. I was being charged for payments that was already paid. They never admitted to this, but I have since received checks from XXXX for the overpayments. 
I respectfully request to be provided proof that these payments were in fact late. By the provision of the consumer laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to XXXX  ( Paid as Agreed. Never XXXX ) and supply a corrected credit profile to any creditor who have requested my credit report in the last XXXX months. 

I have attached copies of my transaction history printed from my online account with XXXX and my payment history that was emailed to me from XXXX.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Status Updated : XXXX XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$500.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX REMOVE LATE PAYMENTS OR DELETE THE ACCOUNT, NOT MORE UPDATES.