23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX ' 2016 at XXXX ( PST ) I spoke via telephone with XXXX XXXX XXXX from Wells Fargo Home Mortgage, Customer Care and Recovery Group and did ask her to submit to us a ( 1 ) Payoff Statement and ( 2 ) Loan Payment History on a HELOC that we have with them. 
Up until today XXXX XXXX ' 2016 we have received nothing. 
These documents are very important to us, since we 're doing everything to our reach to avoid the foreclosure sale on our sole property. 
I 'll be XXXX years old XX/XX/XXXX and my wife will be XXXX by XX/XX/XXXX. It 's important to point out that we have been making monthly payments regularly for the last 18+ months. The main reason we did fall behind was during XX/XX/XXXX/XX/XX/XXXX while my wife was obtaining at age XXXX her XXXX Degree in XXXX and XXXX. She is well over {$100000.00} on student loans and need to be repaid ( $ XXXX+/month ). 
She is now working for XXXX XXXX helping XXXX with prevention of XXXX, XXXX, XXXX XXXX, etc. 
For us it will be a devastating blow to have to loose our only property, specially now that we can make our monthly payments regularly.
Product: Debt collection

I submitted a written request to Asset Acceptance , LLC dated XXXX XXXX, 2015 they received my written request on XXXX XXXX, 2015. On XXXX XXXX, XXXX I received a letter from them stating they purchased my account, however they REFUSE to validate my account as per my written request and has placed this account on my credit reports. They failed to Validate within a timely manner and they are trying to collect on a zombie debt. Violation of FCRA and FDCA
Product: Credit reporting, credit repair services, or other personal consumer reports

Before submitting a complaint through the CFPB, we are required to disclose who is submitting this information. I chose " Just me '', however, I was told that Equifax would not respond to my complaint on XX/XX/2019 because they suspected me of using credit repair services. I submitted the complaint on my own. I have attached a screenshot of my browsing history showing where I visited a website with the FCRA laws and submitted my complaint after. I would like to be treated justly and according to the law that Equifax is required to adhere to. The FCRA also states that a consumer reporting agency may furnish a consumer report to a person which it has reason to believe has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer. 

If this is the law, I'm confused on why Equifax would refuse to respond to my claim because they believe that I am using a credit repair agency. If they believe that I'm using a credit repair agency, they would also understand that this type of business can not operate without consumers reports ( legitimate business reason ) and they would know that a credit repair agency would not have any way to send correspondence about a consumer to them if the consumer had not provided their personal information and permission ( initiated by the consumer ). 

Equifax failed to use this same type of regard and care with me as a consumer when dealing with creditors. 

Before I contacted CFPB, I attempted to send letters, call, fax and submit a dispute online. I have attached a screenshot of the error that I repeatedly received after sumbitting my dispute online, the dispute phone number continued to give me an error and the verification process to speak about my account with a phone representative asks for every account listed on your credit report.
Product: Debt collection

THEY USED THE POLICE TO EVICT US DURING XXXX. THEN TOLD THE COURTS THAT WE WILLINGLY MOVED OUT AND BROKE THE LEASE. WE HAD 6 MONTHS LEFT AND THEY ARE CHARGING US THE TERMINATION FEE. THEN SENT IT TO COLLECTIONS AND THEY ARE HARRSSING US AND DAMAGING MY REPORTS. 


SUMMARY OF MOVE OUT CHARGES Residents : XXXX XXXX Property : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX, XXXX, KY XXXX Move-Out Date : XX/XX/2020 STATEMENT ( ACCOUNT # XXXX ) Charge Amount Move In Fee {$150.00} Rent {$3800.00} Resident Utility Charge {$310.00} Point of Lease Renters Insurance {$43.00} Valet Trash Service {$100.00} Late Fee {$340.00} Legal Fee Income {$190.00} Damage {$270.00} Termination Fee {$4200.00} CHARGE TOTAL : {$9500.00}
Product: Mortgage

I have a cancelled check stating they received the payment on XXXX XX/XX/2020. They entered the date in their system as XXXX XX/XX/2020. They began charging penalties and late fees. They harassed me with phone calls. I have been receiving third party notifications that they have reported me to credit agencies. I have been receiving calls from third party agencies offering me " debt relief ''.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Experian for Failure to Investigate Under FCRA Dear CFPB, I am writing to file a formal complaint against Experian, XXXX of the major credit reporting agencies, for their failure to conduct a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). 

Incident Description : Experian failed to properly investigate items disputed as outlined in the FCRA. This is now the XXXX attempt to force Experian to abide by the FCRA. 

I sent XXXX separate letters to Experian not only citing factual deviations between the XXXX bureaus that outline a clear picture of inaccuracies, but I also pointed out the clear Metro-2 violations. Experian has sought to blatantly disregard not only the FCRA, but also their own internal Metro-2 standards. This shows a clear pattern of Experian not ensuring that consumers have a 100 % accurate credit report. 

Resolution Sought : Detailed investigation in accordance with FCRA guidelines. 
Correction of any inaccuracies found in my credit report or deletion of items. 
A written statement of the outcome of the investigation. 
I have also attached supporting documents, including copies of my initial dispute letter to Experian and any correspondence received from them. 

As a licensed and board-certified credit repair expert based in XXXX, XXXX, I understand the importance of accurate credit reporting and the significant impact errors can have on consumers ' financial lives. Therefore, we urge the CFPB to take prompt action in addressing this issue with Experian. 

Thank you for your attention to this matter. I look forward to your timely response and resolution. 

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

I want to report my ID stolen. SS XXXX DOB XX/XX/1990 I pulled my credit report and found addresses and bills that do not belong to me. someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Has violated my rights! 

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 : also states a consumer reporting agency can not furnish an account without my written instructions!
Product: Checking or savings account

I noticed a number of unauthorized transactions in my account and reported them as fraud. I called both the merchant and my financial institution ; XXXX and Wells Fargo Bank. XXXX assures they do not have any record in their system for the transactions that all together add up to {$1000.00}. XXXX can not refund me the money since they have no record of me for those dates or amounts. I opened a fraud case for the transactions with my financial institution on XX/XX/2023 and they gave me a credit for the full fraud claim amount. Yesterday I got a reverse credit charge of the {$1000.00} charge from Wells Fargo. I called Wells Fargo and asked why ; they told me XXXX provided documentation that I indeed authorized the transactions, I asked for the proof of the documents and they said they would send them and I should receive them in 30 days. I was told they would not reopen my case or even be able to re-submit a fraud case for the transactions. I once again told them I DID NOT AUTHORIZED THOSE TRANSACTIONS and I was told I would need to call XXXX and get my money back from them. I called XXXX and they again told me there are no transactions in my account records with them so they can not give me money back and that they did not have any requests from my bank requesting any refunds. At this point I have been disconnected and hung up several times from Wells Fargo and I have a overdrawn amount of {$700.00} in my account. The reverse credit took the little money I had in my account until my next pay direct deposit and I am unable to buy food, gas, or pay bills for my household of XXXX that include XXXX XXXX people and XXXX children. Both Wells Fargo and XXXX stand on their grounds defending their positions and I am extremely overwhelmed by being the victim of this situation.
Product: Checking or savings account

Chase bank took my {$1000.00} from XXXX XXXX then froze all my accounts and funds while they " verified '' that they already stole my money. Absolute thieving XXXX.
Product: Credit reporting or other personal consumer reports

I would like for Trans Union to update my credit report on XXXX XXXX XXXX  and XXXX XXXX  can you please remove an update your report like XXXX and XXXX has this is holding me back and affecting me in a negative way my other two credit reports are in excellent standings and this is the only one reporting negative information. Can you please have Trans Union delete both of these accounts?
Product: Debt collection

On XX/XX/XXXX I went to XXXX to finance a car I put XXXX down on the car. The lender was American Credit Acceptance. During this time I had a credit score of about XXXX but XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX My credit wasn't there because I don't have much of a credit history not because I have any debt. I financed a XXXX XXXXXXXX XXXX  The value of the car was expected to be like XXXX. I was expected to pay {$620.00} a month that's including warranty but car note alone was about {$500.00}. XX/XX/XXXX I called XXXX because my ac in my car stopped working and what a coincidence it stops working exactly 91 days after I get the car. I called XXXX The give me no help because it is after the 90 days so they direct me to XXXX. I go to XXXX they ask if I have warranty etc I give them the information in the big yellow folder because I'm not really sure where I could find the warranty they look through my information & the guys stops and ask me these are his exact words " Sweetie do you know the value of your car? I say yes its suppose to be XXXX. He replied " nooooo sweetie your interest rates are way over XXXX  % your original car value is about XXXX but they are asking you to pay XXXX for that car you need a lawyer to get out of this contact ASAP, even I couldn't afford that. So I did a little research didn't actually fall through with getting a lawyer. They fixed my ac I got my car back my deductible was {$320.00} it took about XXXX weeks but I still made the payment for the deductible and car note and the time I got my car back it was now XXXX In XXXX I Called the Lender explaining why I was unable to make payments I was behind for XXXX & XXXX but I was going to catch up. During that time I live in Florida we had hurricanes back to back like I wasn't even going to work because of it. They were very rude on the phone about it so I just didn't contact them anymore XXXX was repossessed XX/XX/XXXX. Its now XXXX they reported the car on my credit report Which violates ( FCRA ) I wasn't sent a right to redeem letter or a deficiency letter saying how much the car was sold for and the remaining balance. The information they have on my credit report is inaccurate from the amount to even the dates listed.
Product: Credit reporting or other personal consumer reports

violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report
Product: Debt collection

They have not validated the debt by producing a payment history and original contract of my signature.

Also have violated FCRA Section 604 Permissible Purpose and FCRA Section 609 Disclosures to consumer Also, it is not Licensed in New Jersey
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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, credit repair services, or other personal consumer reports

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 shall not furnish an account without my written instructions.

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

my phone and wallet was stolen months later i started receiving bills in the mail from companies i never had any dealings with cash net u.s.a. and XXXX
Product: Debt collection

Hi there. I carefully read your previous response and was really hoping that it will answer my concerns since you sounded very helpful over the phone. At some point I felt that it did, after you mentioned that the term of my loan was extended by 18 months to compensate for the 18 months that I was in deferment. But upon counting the loan extension months from XX/XX/2046 to XX/XX/2048 I realized that my loan terms have actually been extended by 21 months ( not 18 months as you claimed ). Not sure how a bank can make such an obvious arithmetic mistake but nevertheless it clearly shows that the explanation you gave me was not factual and therefore was incorrect. So again my concerns were not addressed at all, and I have been given wrong information in an attempt to explain away my concerns. 

If the deferment is truly a deferment of payments for a period of time, it should only extend the terms of the loan by exactly the same number of months that the deferment was in effect. In my case this was for 18 months, and that would give us a maturity date of XX/XX/2047. 

Please look at this issue again with more attention to detail, and give me an answer that is factual and logical. You guys have made a major arithmetic mistake to make your case and it obviously proves my side of the dispute. 

Also, please look at the attached documents ; I have annotated them in order to help you see clearly what the issue was with your last response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found out that I supposedly owe 3,000+ to an apartment complex by applying for a loan and being denied. The dispute took less than 30 days to investigate. I lived at that place for months, and had a cosigner. So if I didn't pay I'm wondering how would I have been able to stay at that property until I graduated and I was able to hand in my keys if I owed this company money. As mentioned previously I also had a cosigner in the event I didn't pay they would be responsible or someone would contact them if I didn't make payment. I don't believe it was fully investigated as I just put in the dispute not even a week ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received several inquires from Bank of America without my authorization. 
They have open accounts on my behalf which I never request. I contacted the bank on XX/XX/XXXX after receiving a credit card on the mail that I never request, for this they did a credit inquiry on XX/XX/XXXX. After this incident I check my credit report and they have been unauthorized inquiries from bank of American since XXXX. I have never request nothing from this bank I am not even a costumer. Today XX/XX/XXXX again my bank notify me that on XX/XX/XXXX there was another inquiry on my credit from Bank of American, again this was not me. I contacted the bank again and they told me I am probably a victim of identity theft. I told them I have only received unauthorized inquiries from their bank and no one else. Please help
Product: Debt collection

XXXX XXXX XXXX from XXXX, Florida has been harassing me with various threats from the destruction of my credit report to lawsuits and jail for a debt I don't owe this has been going on for nearly a year if I don't answer they leave threatening voicemails the last abusive call from them was today XX/XX/2018 at XXXX XXXX  central time I am physically exhausted from them an scared.They need to be investigated by the F.B.I this is outrageous!
Product: Mortgage

In spring of XXXX, we refinanced using XXXX  and our loan become serviced by The Money Source ( TMS ). No issues at the start. Fast forward to the fall of XXXX when we received our tax bills. We uploaded them into their system as requested. 

Despite us paying into an escrow account as originated in the loan, TMS failed to pay our taxes due on XX/XX/XXXX and XX/XX/XXXX. We noticed the money had not come out of the escrow account in XXXX and call TMS to inquire as to why it had not been paid. 

XX/XX/XXXX : Contacted TMS. Was told by their customer service team that when they set us up in the system, they incorrectly set up the account as a non-escrow account. This was an error on their end that they needed to correct in their system to process the payments. We were told they would call us back within 24 hours. 

XX/XX/XXXX : We did not receive a call back as promised. Called the customer service line again. This time, we were told the exact same thing and also told that no ticket was made to resolve the original setup issue. I ticket was put in at this time and we were told we would receive a call back within 2 days. No call was every received. 

XXXX, XXXX : My husband called back again. He was told that the setup issue was resolved and that if he uploaded our tax documents again, they would be paid immediately. 

XXXX : We received a notification from the county that the taxes has NOT been paid and they were going to place a lien on my house if they were not promptly paid. In addition, they're charging a 5 % late fee. We called TMS again. We were told that the system error has NOT been resolved and that needed to happen before taxes would be paid. We explained the situation at length. Spoke with both customer service ( twice ) and the tax department. Not only could the not resolve the issue, they didn't have anyone to escalate it. Once again, I was told they would call us back the next day. I told them that at this time, that was not an acceptable answer ... this needed to be resolved TODAY. This was an issue/error on their part and we, as the consumer, should not be responsible for their inability to do their job as our loan servicer. Despite this, I was left on hold by the tax department for 30 minutes when I was eventually hung up on. 

XX/XX/XXXX : At this point, we have exhausted all avenues of support available to us via TMS and their support line. We are not sure as to resolve this issue. The money is available in the account and payment needs to be issues immediately. We will be looking into legal action against this company.
Product: Debt collection

On XX/XX/22 I disputed the amounts from National Credit Adjuster {$310.00}, {$310.00}, {$1200.00}, {$1200.00} with XXXX, XXXX and XXXX. I requested validation under the Fair Collection Practice Act that they claim I owe. Provide me a signed copy, bearing my signature, on the original contract or delete. 15 U.S.C Sec 1681 ( a ), I heard that if you cant provide proof, these accounts must be deleted. On XX/XX/22 contacted National Credit Adjuster requesting the same document mentioned in the above email. On XX/XX/22 A representative from National Credit Adjuster sent an email requesting amounts, account number and last 4 of my social security number. I have heard no resolution thus far. The accounts are still showing in collections on my credit report with XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00}
Product: Debt or credit management

On XX/XX/XXXX I paid the company Consumer Credit Counseling Foundation ( CCCF ) a one-time payment of XXXX XXXX dollars to start service. They set up a monthly payment of XXXX, but after doing some research I believe they are a fraudulent company, so I called to cancel services on XX/XX/XXXX. I have been calling for a week and they are giving me the runaround by telling me the person in charge of canceling the services is not available and they will call me back, but they don't call back nor let me speak with a XXXX. They gave me 60 days to cancel but they won't cancel the account. They continue to charge me for the service and are adding additional fees. In addition, the company sent me information about my account but it does not match my creditors information. I am concerned about this company using my financial information for fraudulent activities and identity theft.

The company is called Consumer Credit Counseling Foundation ( CCCF ). Their phone number is XXXX and email is XXXX and their website is XXXX XXXX XXXX