23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was laid off XX/XX/XXXX. My mortgage at the time was through XXXX and I was on an excelerated payment schedule, I also made a monthly payment towards the premium. In XXXX XXXX, my mortgage was sold to Chase Bank, I was unable to make payment online AFTER scheduling autopay which was never deducted from my account, I fell behind by 2 month in XX/XX/XXXX and XX/XX/XXXX- I made a double payment in XX/XX/XXXX and scheduled an additional double payment for XX/XX/XXXX My XX/XX/XXXX payment came out of my account but the XXXX XXXX payment did not. XX/XX/XXXX, I requested a mortgage modification, I made the trial payments, sent in the paperwork ( I was not nor did this modification LOWER my payments- I just wanted my mortgage to be back on track ). In XXXX XXXX I received notice that my house was in foreclosure. I was told there was an issue with the signature date being different from the notary. I had to reapply for the modification, I started a NEW trial period. Made all my payments- received the paperwork to be notarized at the same time I received another foreclosure notice due to my trial payment 'failing '. I had completed all payments. XXXX XXXX I complete ANOTHER modification agreement and begin my trial period of payments. The 3rd month in- they refund my check stating I paid 'too early ' ( 9 days early ). I resent the payment - which is now 5 days late due to not being aware that although they took the money from my account- they were not applying it to my payment. I receive another final paperwork to be notarized, I send in all the paperwork. On XXXX XXXX, I receive a letter from Chase stating there was a signature missing and I have to AGAIN fill out the paperwork, have notarized, and mail back. On XXXX XXXX, it came to my attention that Chase had AGAIN filed foreclosure on my home. This is a SCAM. I have sent in what they have asked- there is no reason that after THREE times of this and their vague excuses of what is going on is infuriating! I owed XXXX on my home when Chase bought out my mortgage- now, due to 'fees ', etc- I owe XXXX. They have no interest in helping and I was told by the law firm representing Chase that I should 'file for bankruptcy '. The only debot I have is MY MORTGAGE- my credit card balances have never exceeded XXXX and I pay them off once a year- all of my other bills are current. This is insane and unfair to homeowners without a team of lawyers as Chase has. This is MY HOME- I did not have a problem the first 3 years with my other lender. I have jumped through hoops to do what they asked of me and I have nowhere else to go.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Today on this date of Wednesday, XX/XX/2022, I reached out to Associated Credit Service Inc. regarding an account that they are stating that I have with them. After having given them my name and social security number, I was then asked to verify my home address. I gave them my current address as well as all the ( XXXX ) previous addresses that I've lived at. They then stated that none the addresses were the correct address that they have on file in regard to this account. The person handling the call then stated that since we can not verify the address, that there is nothing we can do moving forward. ( Paraphrasing ) I then contacted XXXX in attempt to see what my next steps should be. The rep. expressed that she would update the dispute. I additionally contacted XXXX and the rep. stated that I should contact the Federal Trade Commission to initiate a claim, which upon starting said claim I was redirected here. CFPB Citing the fair credit reporting act, 607. Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
( c ) Disclosure of consumer reports by users allowed. A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.

( d ) Notice to Users and Furnishers of Information ( 1 ) Notice requirement. A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this title.
Product: Credit card or prepaid card

I am contacting about cash app. This company has allowed someone who is not the cardholder to connect my card to their account and drain my account of all my funds. There is no number to contact them to look into the matter. The person made over 6 unauthorized charges on my debit card and was able to get away with XXXX in cash. I have filed a police report and am waiting g to hear back from the police. Cash app policies are a big security breach. My cash app wasnt hacked but my card was stolen. Yet cash app has no security feature that prevent anyone who steals anothers card information from draining their bank accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer in pursuant to 15 USC 1692 A3 Experian, XXXX and XXXX is in violation of 15 USC 805 Communication in connection with debt collection ( a ) Communication with the consumer  generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian, XXXX, nor XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to  dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 I received a text from a company named XXXX XXXX. XXXX from Georgia. We had hired this firm to watch any scams that may effect our computer system about ten months before the actual scam took place. They said they were going out of business and wanted to give us back {$400.00}. dollars but I needed to be at my computer so they could put it in my account. I was at my computer when a man named XXXX called me from phone number ( XXXX ) XXXX. I was unable to use my mouse and he controlled my computer right away. He had a white piece of paper on my screen called notepad. He asked me to type in XXXX I was unable to do it. He typed in {$4000.00}. and said that was wrong. He tabbed down and typed in {$40000.00}. and told me that I was stealing their money? I was then told that I had to go to my bank, Wells Fargo and send a wire transfer to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX. Account number XXXX. Accout type : Savings. I was told to send {$39000.00}. as an International wire transfer to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. If I said anything to the bank that I was being threatened they would take all of my money from my account which at the time was {$65000.00}. I did as I was told thinking that they would leave my money alone. The lady at the bank, XXXX XXXX XXXX asked me if this was a good transfer. I was afraid to say anything as I was being threatened. She thought it may be a scam and put a hold on the balance of my money left in my account. I feel that the bank could have done more for me and flagged the transfer somehow so they could make sure it was not a scam. Wells Fargo has closed this issue and told me that I would not be able to get any of my money back. I am XXXX years old and have never been threatened before. I would appreciate your help in perhaps getting my money back as it should be insured. Thank you.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XX/XX/XXXX Office of Privacy and Civil Liberties XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Citibank Customer Service XXXX XXXX XXXX XXXX, SD XXXX To Sir or Madam I am writing to bring to your attention a serious issue I had with the Citibank. 
On XX/XX/XXXX a representative from Citibank Collection Department called my home. The caller spoke to my spouse and went into details about my credit card bills. My spouse is not my co-signer on my applications. 
I want to report this matter because I feel that Citibank 's representative broke the Privacy Act XXXX LAW. 
I hope to hear back from you about this incident. I can be reached by phone at XXXX at any time or by email at XXXXXXXXXXXX. 
Sincerely, XXXX XXXX XXXX PS The orginal was sent to the above address
Product: Credit reporting or other personal consumer reports

I am writing this complaint against TransUnion for failing to maintain accurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 es seq. Despite submitting a formal dispute regarding the inaccurate information, TransUnion has failed to investigate and correct the errors within the required time frame. The inaccurate information on my credit score, and I believe TransUnion 's actions constitute a breach of their legal obligations under the FCRA. Specifically. I believe TransUnion has violated the following :. 15 U.S.C. 1681 e ( b ) - Failure to ensure maximum possible accuracy of the information contained in the credit report.

. 15 U.S.C. 1681i - Failure to conduct a reasonable investigation of disputed information within required 30-day period.

. 15 U.S.C. 1681 s-2 ( b ) - Neglecting to ensure that furnishes of the inaccurate information conducted a proper investigation.

Furthermore, I am seeking the following remedies :. The immediate correction or removal of the inaccurate information.

. A written statement from TransUnion confirming the corrections.

. Assurance that my credit report will accurately reflect my history moving forward.

Thank your for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion had a computer glitch   XXXX   and again   XXXX   thus caused inquires to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required 5 day notice prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquires that they had illegally added. These inquires add a hardship and my rights were violated by TransUnion. Please help make TransUnion stop victimizing me. As a resolution I request that all TransUnion inquires be permanently deleted from my report as a violation took place when they were illegally added.   TransUnion told me there was only  XXXX  glitch from  XXXX  thru   XXXX   and only agreed to remove  XXXX  dated   XXXX  . I asked that  XXXX  dated  XX/XX/XXXX  and  XX/XX/XXXX  be deleted, but they refused. I am also requesting  XXXX   XXXX  dated   XXXX   to be deleted as result of the glitch TransUnion had  XXXX , which they deny happened.   Thank you for your assistance in this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell XXXX and TransUnion credit bureaus that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and this account was opened up fraudulently with out my consent. I have asked them to investigate and remove it off my credit report. Please remove these items off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX. 2021 XXXX XXXX  on a Saturday. A buyer made a purchase through XXXX. 

Knowing that XXXX had successfully worked with me a few days prior, i assumed it will be a smooth transaction. 

After the buyer made the {$2100.00} purchase through XXXX Wells Fargo. This time i didn't receive the money and i would need to wait 2 days for wells fargo to deposit the funds. I find that odd because i used XXXX a few days earlier and it went through immediately. 

So i gave the buyer my item and i assumed that XXXX was irreversible and i will get my money eventually. 

an hour later the buyer Cancelled his XXXX  payment. I was irate because i thought XXXX was irreversible. I found out that in that particular day, wells fargo XXXX  were having issues receiving payments and technicians were working on getting it fixed. 

i filed a claim with wells fargo and i waited 10 business days. its already XX/XX/XXXX and i did not get any provisional credit at all. I called the claims department but still hav n't gotten any provisional credit. 


All i want is my {$2100.00} from wells fargo. I believe wells fargo screwed me over of my {$2100.00} because wells fargo XXXX was having problems in that particular day of the transaction. If i had known that wells fargo was having problems with XXXX, i wouldn't have sold my item via wells fargo XXXX. Unfortunately, i'm still out of my money and my item. 

here 's the claim # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report. This situation is deeply affecting my peace of mind, especially during such a difficult time. Specifically, the following items are incorrect and are negatively impacting my credit score, making it harder for me to get back on my feet : Account Name : XXXX XXXX Account Number : XXXX Reason : It is deeply disheartening to see that this account is being inaccurately reported as a charged-off account with a balance due. This mistake is unjustly affecting my financial standing. Please provide clear evidence of the charge-off or correct this by updating the balance to {$0.00} or remove the negative payment status associated with this account.

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Its disheartening to see missed and late payments being reported on this account. I never imagined my history would be clouded by such claims. Please provide all statements and records of every payment Ive made and missed since opening this account. I need clarity, and I hope this can be resolved fairly.

Account Name : XXXX Account Number : XXXX Reason : Its troubling to see this account inaccurately showing 3 late payments. According to my XXXX report, there is only 1 late payment being reported. These inconsistencies weigh heavily on me, and I hope you can correct this error, so my record reflects the truth. Please help me resolve this. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : It is deeply disheartening to see that this account is being inaccurately reported as a charged-off account with a balance due. This mistake is unjustly affecting my financial standing. Please provide clear evidence of the charge-off or correct this by updating the balance to {$0.00} or remove the negative payment status associated with this account.

Account Name : XXXX Account Number : XXXX Reason : I dispute the missed and late payments reported on this account. These inaccuracies are deeply concerning, especially as I am going through a difficult time. Please provide statements and records of all payments made and missed since I opened the account. I do not agree with the results of your investigation and request proof of the negative payment status. If you can not provide this proof, I respectfully ask that you delete the negative information from this account.

INQUIRIES : TRANSUNION XXXX XXXX XXXX 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 Ive done everything I can, but these inaccuracies still cling to my credit report like a shadow. Ive reached out, Ive provided proof, but nothing changes. Please investigate thoroughly. I just want my report to reflect the truth so I can finally move forward. Im exhausted I just need a chance to breathe again.
Product: Credit reporting or other personal consumer reports

FRCA Vilolations Not mine XXXX Vi ; oation Not my account XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1100.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Payment history not my accounts XXXX  XXXX XXXX XXXX Last reported XX/XX/XXXX {$2600.00} Open balance XXXX XXXX  XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$1800.00} Open balance XXXX XXXX XXXX  Original creditor not my auto account XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX never lived here XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family not my name XXXX XXXX XXXX XXXX XXXX not XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX  XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX  LL XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Checking or savings account

Had unauthorized charges on account, disputed, no one ever contacted me. Also, had a separate account with nearly {$2000.00} that was not linked to the one in reference, can not access it. Also, during the same time frame, I was not able to log on or get any information from automated system.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. FCRA The ACT Title VI violation ; 2. Validation of Debts 15 U. S. Code 1692g & 3. 15 U. S. Code 1681c-2 Fraudulent Reporting to the Bureaus On XX/XX/XXXXXXXX  A security freeze was placed on my XXXX report fraud On XX/XX/XXXXXXXX  A security freeze was placed on my XXXX report due to fraud Reporting to the CFPB On XX/XX/XXXXXXXX  I made a report to CFPB On XX/XX/XXXXXXXX  I made a report to CFPB regarding credit reporting fraudulent activity Credit Report Removals I was able to get XXXX, XXXX XXXXXXXX and XXXX XXXX  removed from my credit reports. The following companies have yet to be removed and one still reporting negatively against my report. 
Current Violations Credit Report # XXXX XXXX ( reflected across all 3 Bureaus ) 1. FCO Fair Collections and Outsourcing XXXX XXXXXXXX client ). 
Settled XX/XX/XXXX. 
Continuous reporting to the bureaus until XX/XX/XXXX Original removal date was XX/XX/XXXXXXXX  Removal date changed to XX/XX/XXXXXXXX  Original reported to credit bureaus XX/XX/XXXX. I still lived in the apartment. I left XX/XX/XXXX. 
FCO is a vendor of XXXXXXXX. XXXX is my XXXX XXXXXXXX and he hates me. This is malicious reporting by his friends and ex colleagues.
Product: Debt collection

I received this collection notice from these crooks and have no idea who they are and want them to stop contacting me!! This is my official CEASE AND DESIST letter to them as they all lie and say they never received it if it is mailed!! Please give this to them and make them stop contacting me. I will NOT be paying them!!! If I hear from them again I will contact my lawyer!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX  can not collect this money again for an account that was settled with the original creditors ... this is against F.C.R.A. law ; original creditors informed me that they did not verify these accounts ... Consequently, litigation will follow if they are not removed ... no contracts exist, and this is false and inaccurate reporting, please update your system, and do away with erroneous XXXX   verification that is causing so many consumers trouble
Product: Student loan

I signed two school loans for my son totaling {$9500.00} with WellsFargo. I have been paying this loan since XX/XX/XXXX, first was paying {$100.00} a month for one year, then since XX/XX/XXXX have been paying {$200.00} a month. Up till now, this loan has a balance of {$7000.00}. 
I have asked Wellsfargo about seven times now to tell me what my rate is and why this loan is not yet repaid. They have verbally agreed but when they send me information, it does not contain the rate. I had been to one of their closest branches and had the bank representative call and speak to loans department and they promised before me and the representatives that they will send me the information required but when they send, it does not contain the rate. all it says, is applied {$28.00} dollars or {$26.00} dollars. One of the representatives once told me that they were not allowed to disclose the rate am paying. 
I think this is another big fraud going on. By my calculation, I should have finished paying this loan long ago. XXXX is on another Fraud and  is trying a cover up. 
Since I cant file a law suit against them, the common man needs consumer protection to demand and protect my right.