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

A vehicle lease was opened fraudulently in my name, I contacted Equifax first and they verified the account as accurate and told me to contact the furnisher. I made a complaint to the consumer financial protection bureau about equifax and contacted XXXX XXXX directly. I sent them a letter of validation as required by the financial credit reporting act requesting all the documents with my signature and matching identifiable characteristics. Please note : I never received what I asked them for, instead they sent me a fraud packet to fill out and a list of identity documents to submit which included. Birth certificate, copy of social security card, drivers license, passport, phone bill, police report. This dispute has been going on for over 1 year and a half with no corrective measures taken. This XXXX I received a letter from XXXX XXXX stating that their records indicate a credit application was submitted fraudulently in my name by XXXX XXXX and is invalid due to identity theft. This letter also stated that the account will be removed within 30-45 days. I have since contacted XXXX XXXX being that 45 day period expired to inquire about the account remaining on my report and they denied having any knowledge of any letter that was sent to me regarding the removal of this fraudulent account. Below I have attached the actual letter and envelope it came in, please take note of the dates on both.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my credit report and noticed that there is an error on one of my accounts. With the XXXX pandemic, its been a tough time and I dont need my credit docked more than what it fair and accurate. 

As you no doubt know, it is also a violation of the FCRA that was established in 1977 to show disinformation on a credit report. Therefore, I exercise my legal right to have the 90-day late payment deleted on XXXX XXXX XXXX XXXXXXXX I ask that you respectfully confirm deletion, because this inaccuracy is unfairly penalizing my score making it lower than it should be, and I have been working diligently to get my finances and records corrected. 

Thank you and take care, ( Type first and last name ) only Client address
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent out a letter to the credit bureau and creditors asking them to validate the debt by sending proof that the debt was tied to me. Its been over a month and I have not received any documents with my signature that would tie me to the debt. This is violating my rights as a consumer under the statute code 15 USC 1692g. The credit bureau is also violating my rights by reporting these unauthorized accounts to my report without my permission and without conducting the proper investigation.
Product: Mortgage

ABOUT 10 TO 11 YEARS AGO I TOOK OUT A LOAN FOR XXXX ACRES OF LAND THROUGH EITHER XXXX XXXX OR XXXX BANK, THIS BANK WAS BOUGHT BY CAPITAL ONE BANK. THE BANK SOLD ME CREDIT LIFE/DISABILITY INSURANCE ON THIS LOAN. I HAVE BEEN PAYING THIS LOAN ON TIME EVERY MONTH, NEVER LATE, NEVER MISSED A PAYMENT. NOW ALL OF A SUDDEN ALL THESE YEARS LATER I GET A LETTER FROM CAPITAL ONE TELLING ME MY CREDIT LIFE/DISABILITY POLICY IS CANCELED. BASICALLY THEY RIPPED ME OFF FOR WHATEVER I PAID FOR THIS INSURANCE EVERY MONTH FOR THE LAST 10 TO 11 YEARS.
Product: Credit card or prepaid card

I made an online purchase on XX/XX/21 for {$63.00} through XXXX using my Citi card. I received an email confirmation of my XXXX transaction that included the correct shipping address for the item. However, I did not receive an email confirmation from the online store. On XX/XX/21 and XX/XX/21, I sent inquiries to the email address on the XXXX confirmation regarding the status of my order. I received no response. 

I initiated a XXXX dispute on XX/XX/21 ( XXXX ). They closed the dispute on XX/XX/21, stating that they contacted the seller and received delivery confirmation. However, they would not release any additional information, including the tracking number provided by the seller. 

I initiated a Citi dispute on XX/XX/21 ( XXXX ) and provided a record of my receipt and failed attempts to reach the seller. On XX/XX/21, I received notice from Citi that the seller provided delivery confirmation and Citi would close the dispute. This time they provided the tracking number ( XXXX ). 

I contacted XXXX via live chat on XX/XX/21. The representative confirmed the item was delivered on XX/XX/21. She also confirmed that the mailing address I provided, the same one on my XXXX receipt, was not the address to which the package was addressed. Unfortunately, for privacy, she could not release the actual address. 

I provided this information to Citi via phone, email, and live chat. I then received notices on XX/XX/21 and XX/XX/21 from Citi stating, " We previously requested necessary information from you concerning this dispute. We did not receive a complete response to our request. '' After each notice, I contacted Citi via phone, email, and chat, inquiring about what information they needed. I received reassurance through each channel that the Dispute Department would contact me. Finally, on XX/XX/21, I saw that Citi again closed the dispute because I did not provide them the information they requested. 

At this time, I am out of options. I can not contact the merchant directly. I provided Citi with confirmation from the shipping company that the item was addressed incorrectly. In the end, I never received what I purchased, and I truly hope you can help me find a resolution.
Product: Credit reporting or other personal consumer reports

I contacted Experian on XXXX XXXX 2024 to demand the actual documentation based on the section 611 ( a ) ( 7 ) method of verification. How were these account verified, by whom, what actual human to human called the data furnishers to actually verify that the information from the automated e-oscar system is actually error free. what time was the call log say from Experian, what was the Experian employee name that verified these accounts with the data furnishers. I have not gotten real documentation showing actual reasonable investigation of the method of verification.. Please help me CFPB, Experian is just violating my Fair Credit Reporting Act consumer rights, No real documentation is provided to me just the same old tricks that Experian uses on a daily basis to stall consumers and hinder investigations..
Product: Checking or savings account

On XX/XX/year> @ XXXX Arizona Time called Wellsfargo at ( XXXX ) XXXX Asking about my account take over alert I received from my XXXX XXXX XXXX XXXXXXXX XXXX Stating the on XX/XX/year>. The message I received was that the account ownership had changed. The bank refused to answer the question they continued to change the subject to something else. At this point I decided to start recording the call. I informed Wellsfargo that i was recording the call. I ask the representative her name and ID number and the representative said there name was XXXX and refused to give ID number. Also said that shr was going to have to transfer me to someone else. The next person I talked to said that theee name was XXXX XXXX the representative whos name was XXXX, said that the person who I was being transferred to was XXXX XXXX XXXX. ) But who m ever I was transferred to done the same as the avoided subject and told me that the department I needed to talked was closed. ( This seems to be Wellsfargo go to answer everytime the department that I needed to talk to is closed, or they transfer me from department. So I never get an answer to anything. ) Also in the safety deposit I had a copy of the deed to my property in that was worth {$120000.00} XXXX dollars that was talen and made s copy of and placed bsck in my box so now I have someone living in my home claiming thry are me so i lost my home at this point all due the negligence and the bank knew who I and I had been in the bank many of times. So they knew the person that done wasnt me.
Product: Vehicle loan or lease

On XX/XX/XXXX I finalized the purchase of a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX the XXXX XXXX Sport was delivered. Due to the delivery method, I scheduled to meet the delivery in an open parking lot. Upon driving the XXXX home ( about 1 mile ) I discovered the XXXX not to be blowing cool air. When attempting to park the XXXX in our driveway at home, the emergency break would not latch. I immediately emailed XXXX XXXX XXXX and reported the concerns ( including a flicking/non stable Radio system ). After a series of sent emails and minimal response, the XXXX is still in my driveway, parked, while an Auto Loan ( Capitol One Auto Finance ) is still seeking payment.
Product: Credit reporting or other personal consumer reports

I submitted a dispute on XX/XX/2024 and Equifax sent me a stall letter rather than investigate my dispute. My information was exposed in the Equifax data breach which my personal information was used. I included my identity theft report and copy of my original dispute and a copy of the stall letter I received from Equifax. Remove all late payments on my consumer report immediately. Below is a copy of my original dispute which went unanswered which is a failure to Process Dispute and Violation of my FCRA Rights.

I was never late on these account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these late payments. I was never late on these alleged late payment from my credit report and update to paid as agreed per USC 15 1666B a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX ACCOUNT # XXXX Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Checking or savings account

This dispute involves my Wells Fargo checking account ( XXXX ) I deposited a {$2100.00} check, using the Wells Fargo Mobile app, on XX/XX/year>. On XX/XX/year>, Wells Fargo withdrew {$2100.00} from my account, because the check was negotiated a second time. I was provided with the information that the second transaction occurred at XXXX on XX/XX/year>, and a copy of the check that was negotiated. 

The check was clearly marked for mobile or remote deposit only, and I do not understand how a third party could access money from a check addressed to me, which had already been deposited. Wells Fargo did not investigate this for me. 

The check was endorsed by me for mobile or remote deposit only. The image of the negotiated check was stamped. XXXX did not honor my endorsement. Therefore, I do not believe that I am liable. 

I have filed a police report with the XXXX XXXX. However, Wells Fargo has refused to provide me with additional information about the time or the physical location that the second fraudulent transaction occurred. I would also like to dispute this with XXXX, but as an individual with very little information, I do not feel like I am well equipped. 

The writer of the original check has contacted his bank ( XXXX XXXX ), and they were very clear that Wells Fargo, and not them, are liable.
Product: Consumer Loan

Wells Fargo Dealership Services has not sent the credit bureau 's information saying that my loan with them has been paid off. I have been disputing late charges that they think I accrued to the amount of {$390.00}. I have paid the principle of my loan off and they are holding my title because they think I owe them Late Charges. On top of it they are telling the credit bureau 's that I still owe {$1.00} and now have been given a 30 day and a 60 day late charge on my credit. Is this legal? 
I have been unemployed for the last 6 weeks and I am applying to government agencies that look at credit reports. This could and may effect my hiring with an agency. Every time I call the person says they can not help me, then they transfer me to someone else that says that they can not help me, and then I reach someone that said he would call me back and never does. The last person that said that was from the number XXXX XXXX ( XXXX ). 
I do n't believe I owe the amount of Late Charges and I have called to negotiate but the people I keep talking to say they do not have the power to do so and will not let me talk to someone that has the power. I have paid my car off, I deserve my title, and my credit should not be affected by so called Late Charges they are accusing me off. 
I have attached my bill for this month of XXXX for you to review. In the description box it says I owe {$390.00} for Late Charges, Current Payment Due {$3.00}, and my Loan Balance is {$1.00}. I DO NOT owe anything on my loan, it is paid off, they are lying. 
Please look below the Description box and it says in bold, " The Total Payment Due includes Past Due Amount of {$0.00} and Late Charges Accrued of {$390.00} due immediately. I have no past due amount yet they are saying I owe a dollar at the top. My loan is paid off and they are ruining my credit to try and get me to pay them fees I do not believe are correct at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a rental application on XX/XX/2023 ordered by XXXX XXXX XXXX XXXX. The reporting property involved was XXXX XXXX XXXX who retrieved my credit report from Experian. I currently have a membership with Experian that provides me with up-to-date XXXX score monitoring and notifies me of changes to my credit report. However, the XXXX score Experian provided XXXX XXXX XXXXXXXX showed a major discrepancy in my XXXX score, which was XXXX points lower than my current and accurate XXXX score to date. Additionally, my date of birth was inaccurate. This major discrepancy reduced my chances for the approval of my rental application. Consequently, I was placed on a contingent approval rather than a direct approval. Furthermore, the discrepancy resulted in a higher security deposit. I consistently use Experians service to monitor my credit score and changes to my credit. I am truly disappointed in how this major discrepancy negatively affected my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in a chXXXX bankruptcy filing status which XXXX is aware of and they have continued to report payments as late after my bankruptcy filing.
Product: Mortgage

I bought my house in XXXX, the mortgage company that wants to foreclose on me is my second loan, SPS Specialized Loan Servicing. I've been curent on my first loan. XXXX XXXX owned my mortgage when I bought my house in XXXX, they sold it to XXXX  XXXX XXXX, then to XXXX and now it's being serviced by SLS. The problem started in XXXX when I got a modification through Making Home Affordable program with the help of XXXX  XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX They both told me not to worry about the second loan, they said it was forgiven. They never gave me any paper work, I truly thought that I did not have to worry about it anymore. The second mortgage company never sent me paper work or monthly statements since XXXX regarding the second loan therefore I beleived XXXX and XXXX  XXXX XXXX. But now in XXXX SLS shows up and sends me a letter of intent to foreclose on my property. i have attempted to pay of the original 2nd loan mortgage which was XXXX in payments but they said no. SLS wants XXXX and on top of that they want XXXX for interests and late fees they say I owe but I never received any monthly statements. I asked if they could help me with a modification and they sent me a letter stating congratulations you qualify for a shortsale. They did not give me the opportunity to send paper work so that they can evaluate if I qualify for a modification or any other solution. I feel that I wasn't given a fair opportunity.I spoke with XXXX from SLS at the consumer resolution department XXXX she was very rude and would not let me get a word in. XXXX said the only thing I qualify for is a shortsale. XXXX said that they dont offer loan midifications. She also said another solution is to pay XXXX plus XXXX. I don't have that kind of money, I decided to contact a lawyer for a free consultation but I can't afford to pay for a lawyer right now. They said they would charge me XXXX for a down payment and other fees on top of that, I also contacted a HUD counselor on Tuesday XX/XX/XXXX her name is XXXX XXXX. She was assigned to me as a HUD counselor.Varsha works at XXXX XXXX XXXX XXXX her number is XXXX. SLS doesn't want to give me an opportunity to keep my home. I'm flabbergasted, the second loan was gone since I did my modification in XXXX. Now they show up wanting to take my home, that I lived in with my family since XXXX, please help me reach a resolution with this company me and my family wanty to be able to keep our home. SLS doesn't want to help me they just want to take my home. i don't want to be homeless. I think there is too many homeless people in the street already. many homeowneres were helpless like me and they became homeless because mortgage companies are not willing to help. They foreclosed on their properties without any remorse of how they break families apart.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for a credit card/personal loan under my social security number and name! 
XXXX XXXX XXXX I got a notification that I had a hard inquiry on my credit report. That is how I found out as I NEVER applied for anything! I would like this investigated ASAP so I can get the law involved. This has affected my credit score!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX Hard inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this was all pulled and added to my credit bureau without my wrighten consent and has violated my rights of privacy.
Product: Checking or savings account

I bank with Ally bank and someone hacked/stolen my debit card and used to make purchase on XXXX and XXXX costing around XXXX dollars out of my bank account. Ally bank refuse my fraud claim stating that I have authorized it. All of these transaction was for the same amount and on XXXX and XXXX and I did not authorized it. I have contacted both XXXX AND XXXX and both agree that it is fraud and I have to contact my banking institute to get my money back. Both XXXX and XXXX both stated they are willing to reverse the transaction as long as my bank initial the chargeback on their side, yet Ally bank is refusing to do this and is denying my claim. 

Please help me contact AllyBank and get this resolve. I have screenshot of this from both XXXX and XXXX. All of these screenshot are from XXXX. They agree to refund me and Allybank is not allowing my claim so my money can come back. 

Here I have picture proof the XXXX sent to me the that the merchant of XXXX agree to reverse the transaction and refund me the money back if my Bank Allybank allow it. 
XXXX have asked that I dispute with my bank, but Ally bank is not honoring my claim. 

My bank have not asked me to send in any information and yet just denied my claim and not giving me a answer.
Product: Mortgage

My mortgage was purchased by PennyMac. After buying my mortgage, they sent a letter threatening to buy force-placed homeowner 's insurance given that my coverage was not enough under the terms of my mortgage/deed of trust. They did not provide any evidence to support this claim - I met all requirements from my original lender and PennyMac bought my mortgage from that lender within a month of me receiving that loan. PennyMac is making it exceedingly difficult to talk to someone about this. They have no email where I can contact them, only a fax. The phone number they provide has a recording that makes it impossible to talk to someone.