23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Long story short I lost my wallet back at the beginning of XXXX. Most of my major credit cards like my XXXX XXXX and things like that I knew was in the card, and I called the banks and canceled them, but what I didnt realize is that in the very very back of my wallet was my XXXX XXXX and Victorias Secret credit card which I dont use very often. When I realize that somebody was using it, I called the bank I informed you of what was going on he asked a bunch of questions and then the gentleman tells me that he cant help me and needs to forward me onto somebody else then why did he need to know all the information so I sit on hold I eventually get transferred to somebody else. This woman once again goes through all the details I explain exactly what happened and then she tells me that she cant help and Im transferred for a third time terrible customer service the third time I said on hold for XXXX minutes, nobody answered, and I eventually hung up. You would think that you would take fraud a little more serious that you would have somebody available XXXX XXXX fraud doesnt just occur Monday through Friday XXXX to XXXX it happens XXXX XXXX every day of the year will since you refuse to help me over the phone Im notifying you here Both my Victorias Secret and my XXXX power credit card have been compromised somebody other than me has the cards. I dont know who has them. I didnt give them permission. I know I have an authorized user thats my husband. He didnt use the card, but we cant find it any of our cards which means they mustve been lost with the wallet and I just didnt realize it. I need both cards closed and new cards issued as quickly as possible and I need you to investigate the we had a XXXX balance before all of this happens and we should have a XXXX balance now all transactions are fraudulent all of them that happened in XXXX I dont need you to call me. I just need you to begin the investigation. If you need more information, please send it to me in the regular mail and Ill fill out whatever paperwork you might need.
Product: Debt collection

Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called CASH LLC. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX BANK OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with CASH LLC XXXX XXXX Bank or any of their affiliates. 
I am requesting that CASH LLC and XXXX Bank or any of their affiliates should remove such negative and false statement from my credit report
Product: Checking or savings account

I am a victim of Identity theft. XXXX XXXX  that is now closed. I disputed this back in 2016 and and I am trying to open up a account with a new credit union and I am told I I owe XXXX {$460.00} dollars. I contacted XXXX XXXX and they are now investigating it. My issue is that I disputed this 3 years ago and the Credit bureau fixed it but except XXXX XXXX. It has been almost a month since I contacted XXXX XXXX and they have not gotten back to me. XXXX XXXX is no long open They are now Called First citizens bank and I contacted them they said they have no trace of this debit. I just want to open a new Bank account.
Product: Credit reporting or other personal consumer reports

Credit Card Opened by the Thief Company or Organization : XXXX  Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$0.00} XXXX XXXX XXXX Account Company or Organization : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX or Organization : XXXX  Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$22000.00} XXXXXXXX XXXX XXXX88.00}
Product: Credit reporting or other personal consumer reports

According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRAs ) block the reporting of information on their credit report that was result of identity theft. Because my information was disclose in the Data Breach and the Dark Web, I have several FRAUDULENT ACCOUNTS that should be blocked and removed. 
XXXX. ) XXXX XXXX XXXX XXXX  # XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX # XXXX. 
These Accounts are dur to the Data Breach, therefore they should be removed immediately from my consumer report. 
15 U.S.C 1681... PROMOTES THE ACCURACY, FAIRNESS, AND PRIVACY OF PERSONAL INFORMATION...
Product: Debt collection

My personal information was compromised. I received notification from all three credit bureau indicating that my personal information had been compromised. There were accounts that were not paid with that showed up as collections on my credit report.
Product: Credit card

I XXXX XXXX try to use my debit card at Bank of America in XXXX on XXXX XXXX XXXX XX/XX/2017. But did not work. I tried it again and it still did n't work. So I went inside to talk to the teller and asked her to check my card and she said your card was reported stolen and we haved mailed you another one. The teller asked me my address and she said the card was mailed to a different address that you are giving me. The teller said you do n't live at XXXX XXXX XXXX XXXX XXXX. No I live at XXXX XXXX XXXX and I never reported my card. My sister XXXX lives on XXXX. To find out she try to transfers my money on a new card and open me a savings account. so she did this without my approveal. She did it on the XXXX of XXXX and I do n't get paid til the XXXX So I got charged over drafts like XXXX dollars for not having funds in my account. And she changed my preference and changed my address to hers and had my statements to be mailed to her house so I never received my over drafts letters. or has she told me that she has my new Debi card. And they charged me for a new card. I never ordered. I have talked to someone at the bank but nothing was accomplished. So now I have to get a temporary card. Plus my bills went to over draft because my debit card I always used was reported. XXXX was using my girlfriends email address to get information. XXXX XXXX phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts as follows # XXXX ( XXXX ), XXXX ( 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 a right to privacy.

15 U.S.C 1681 Section 604 A. Sections 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the XXXX. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the XXXX to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX MUTUAL XXXX {$510.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX, this is not mines. Pleas

e delete this account.

Item # 2 : I dispute XXXX, this account balance is wrong. 

Item # 3 : I dispute XXXX  XXXX XXXX XXXX XXXX, this is not mines. Please delete this account. The company never sent me a notification of debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

I fell behind on paying my mortgage with Nationstar Mortgage LLC and requested a modification that was approved in XXXX 2016. The terms of the modification were a new 40 year mortgage with a new balance of which {$58000.00} was deferred and non-interest bearing. My complaint is regarding the legality of this agreement. The original loan was {$160000.00} and now the new loan is {$190000.00} of which the property is not of that value. This property is in XXXX that is very crime ridden and economically XXXX. There are no formulas or itemized detail that shows how the new loan amount was determined and how the deferred amount was determined. This loan leaves me in a worse off situation that before and my understandings of modifications are to help the owner save the property but not put them in a worse off situation. This agreement has a new payoff in 40 years again worse off than I was currently at. I do not think this lender is providing options for homeowners that actually help homeowners and would like someone to review this please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with Santander Consumer USA, phone no XXXX. They claim I was late throughout the duration of the loan. I was never 30 days late. My husband repeatably, when to our Credit Union which printed out all our payments for the loan. Not one was missed. However Santander kept saying we missed one. Everytime to spoke to someone in customer service the date of the late payment was always different. They did not settle for less then the amount due. Our loan was supposed to be paid in full in XX/XX/XXXX. We agreed to pay a XX/XX/XXXX to just end this battle. It had been going on for 3 years. We actually paid more, not less. They sent us the title right after that.The manager of Santander said he would remove any derogatory information off our credit report. He didn't he actually added more damage. They already have all the documentation concerning our payment history from our credit union. This was provided several different times. Also we made payment to XXXX XXXX which is a division of this company, we paid them in person. After several payments they said they had to keep forwarding them to right location could we please make our payments to Santander on line. I think that is where the problem came into play. The payment or payments never got forwarded to the right place. This is hindering us from getting a mortgage. 

Funny thing in XX/XX/XXXX my husband purchased a new car for me. Guess who was the first bank that wanted our business. Yup Santanders. I told the dealership I rather walk to work. 
These people are liars and ruin peoples 's lifes.
Product: Credit reporting or other personal consumer reports

After examining my latest credit report, I've identified inconsistencies that demand urgent action, especially concerning the following accounts : XXXX XXXXXXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. 

The company has acknowledged the errors and has committed to updating the status to never late. Other credit bureaus have already rectified the status of the accounts after the companies acknowledged the inaccuracies.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act AFFIRM INC 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... 
XXXX account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00}
Product: Bank account or service

I had linked my newly established XXXX account debit card with my Wells Fargo bank account. I was under the impression that I had opted out of any overdraft protection " courtesy '' programs with Wells Fargo ; therefore, any transaction resulting in funds being overdrawn would be declined, which should apply to drafts initiated by XXXX as well when insufficient funds were available. 

I came to find out that Wells Fargo repeatedly allowed these transactions from XXXX to go through and charged the typical overdraft fee of {$35.00} each time. They simply changed the terminology for the type of transaction this constituted, although by definition and consequence enacted on my account ( same {$35.00} fee assessed on each accepted draft of an account bearing insufficient funds ) this is precisely an overdraft fee that Wells Fargo covertly branded as something else in order to justify the procedure ; however, I was never informed of this new practice nor would have agreed, as I opened my account, like I mentioned, under the notion that these fees would not and could not be charged. 
Upon reviewing the terms they have listed for all types of checking accounts, I do not see this expression used anywhere. As I recall, the bank employee I spoke with referred to it as something along the lines of a reverse payment. 

They can call it whatever they want, but unless they are admitting that they are engaging in bait and switch tactics and lack the legal and ethical standards that any banking institution, especially of their stature, would uphold-however optimistic a view this may be in today 's economic climate considering that the bordering on fraudulent and deceitful practices of these banks are commonplace, which in no way should excuse them. 
Part and parcel, this is an overdraft fee, wrongfully and connivingly instituted by the bank clearly illustrating a full-fledged violation of the contract between myself and Wells Fargo which eliminated the chance incurring overdraft fees in any of my accounts. As per their claim that this constitutes a mitigating courtesy they provide, I would like to know who defines courtesy or, moreover, for whom this trulyis a favor, as without my consent or permission, the beneficiary is only the bank.
Product: Mortgage

Lakeview mortgage/XXXX XXXX XXXX XXXX XXXX XXXX XXXX is holding my grant money illegally and will not provide a letter of forgiveness to me. I have a XXXX XXXX XXXX XXXX that was to be forgiven in the amount of {$26000.00} on XX/XX/year>. I have called the company 15 times and they continue to say they are busy but are escalating my forgiveness letter, however the letter never comes. After working hard to pay our mortgage on time every month for 3 years to comply with the grant- now I can not get ANY documentation of our hard work and we can not move forward with selling our home, refinancing and/or moving to a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a veteran. I have fought for this country for my whole life just to come back and be treated like trash. My family and I have been struggling to find housing during this pandemic to find financing. My entire life I have been mindful of my finance obligations. According to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the XXXX Data Breach.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX60 TD BANK/TARGET pXXXX XXXX XXXX XXXX, MN XXXX I would like to request, in writing, that MUST contact me ONLY via the address noted in this letter and through no other medium. These other mediums include but are not limited to phone, email, social media, place of employment, and any credit reporting agencies. I wish ONLY to be contacted with the following information requested as well as any updates on this account being deleted or updated as instructed. 


Please provide me the following information : XXXX. Name and address of alleged creditor _______________________________________________________________ 2. Name on file of alleged debtor _______________________________________________________________ 3. Alleged account number _______________________________________________________________ 4. Date that this alleged debt became payable ____________________________________________________________ 5. Amount of alleged debt _____________________________________________________________ 6. Was this alleged debt purchased or assigned to a debt collector?

_______________________________________________________________ 7. Amount paid if debt was purchased ________________________________________________________ 8. Commission for debt if collection efforts are successful ___________________________________________________________ PLEASE ALSO ATTACH COPIES OF THE FOLLOWING INFORMATION REGARDING THIS ALLEGED DEBT : 1. Original contract of debtor with debtors wet ink signature 2. All statements while this account was open 3. Any and all accounting documents associated with this alleged debt I would furthermore like to know who gave your company authority to collect on this alleged debt and please provide proof that your company has the right to collect on this alleged debt. Please also tell me if any insurance claims or judgements been made by any creditor regarding this account. 

Please provide me with the name of bonding agent for NAME OF DEBT COLLECTOR, in case legal action has to be taken. 

You must provide me with all the information I have provided to you or other transfer agreements which would establish your right to collect on this alleged debt within 30 days from the date of your receipt of this letter. YOUR CLAIM CAN NOT AND WILL NOT be considered if any portion or documents have not been provided as instructed by I the consumer. This is a request for validation according to the FDCPA. 

Thank you for your attention in this matter XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2019 PHH Mortgage approved a short sale and sent out a short sale approval letter. The file was closed through the attorney 's office on XX/XX/2019 and funds were forwarded to the short sale lender on XX/XX/2019. On XX/XX/2019 the funds were returned to the attorney 's office and now the bank wants to re-evaluate the short sale and redo everything which can and will change the dynamics of the payoff for the file. 
We have been trying to get the money back to them since before XXXX, and we have been met with nothing but incompetence since the beginning. This is in true Ocwen fashion of not knowing what anyone is doing and then try to re-evaluate the property to extort more money from someone who has already purchased the property. Be prepared to have this file investigated, because I am reporting this incident ASAP. We have tried to be more than accommodating and have been willing to work with you to get the money back to you, and you guys continue to be ridiculously unprepared and incompetent.