23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Original message sent to FCC that they asked for me to refer to FTC who then referred me to you, XXXX. 
I received a call from a friend of mine and a screen shot as well as the forwarded voicemail of an automated voice message saying " This is a message intended for XXXX XXXX and we are calling about a formal complaint that is being filed in their offices for a mis service ( not sure it was jumbled ) process date that was schedule XXXX XXXX XXXX. Press XXXX to speak with a live operator now or contact the office directly at XXXX. '' I called the number once she contacted me and the phone was answered by a man and he said the company name was " XXXX XXXX XXXX '' and that the calls were being recorded. He asked the phone number that was called and I gave him my friends and then he came back with my name and an address that I lived in back in XXXX and the last XXXX numbers of my social. I asked what this was in regards to and he quickly said that it was a courtesy call about a collections debt that they received in their offices. I asked for more information and he put me on a hold. When he returned he said that it had to do with a XXXX XXXX XXXX that I opened in XXXX and had not paid on since XXXX. He said that there was an outstanding balance of {$1200.00} and asked how I would like to take care of that. I told him that I would be contacting a lawyer. He quickly hung up on me. I called that same number back and it was the same voice again and then I hung up. I was calling to get the name that he gave as he answered. 
Shortly after this, I contacted XXXX XXXX XXXX and asked about any balance. They have no record of a balance owed and I asked about who they would have forwarded collections to in XXXX. XXXX was the young lady I was speaking to. She placed me on hold to speak with her supervisor and returned with NCO financial and gave me their number. The number that was given to me was XXXX. I hung up with XXXX ( The bank that does the XXXX XXXX ) and called NCO at the above number. The number has been disconnected. 
I have now received a call from my mother saying that they left a message on her house number XXXX a number that they did not get until XXXX? Also, the above mentioned friend that received a call looking for me, was not someone I met until XXXX. I have done my part to search out this individual and can not seem to find anything about the company or either phone numbers they called from ( XXXX and XXXX ). I have not personally received any calls on my cell phone which has been the same phone number since XXXX. I consider this to be an attack on me about a debt that is n't true and I would like to make a formal complaint and ask for help in this matter. 

An update since the original message. I have been contacted ( on my personal cell phone XXXX ) by the " XXXX XXXX XXXX '' with a recorded message identical to the XXXX stated above. This number called my phone using XXXX number. I want to stress again that this debt was settled back in XXXX and was considered closed out by NCO financial which I now have no way of contacting.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681b and 12 CFR 1022.3h 2 accounts I did not give consent to have attached to me please delete them it's a XXXX dollar violation for each one
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Well on XX/XX/XXXX I applied for my credits and they denied me and from denying me access to my credits is discrimination
Product: Mortgage

My Chapter XXXX Bankruptcy discharged XX/XX/XXXX. My Interest Only loan # XXXX adjusted while I was I was still in the bankruptcy. The lender did not notify me or the Bankruptcy trustee or my BK attorney. I continued to make payments the entire time and upon discharge was made aware of the payment change XX/XX/XXXX and immediately paid the arrearage. I was assured in XXXX different telephone calls that that loan would not be reported late. As of today, I am informed that the the loan is reported to my credit report with EIGHT late payments dropped my score and preventing me from pursuing a refinance now in process. Nationstar 's failure to notify me or the Bankruptcy trustee is not in compliance with Federal bankruptcy law pursuant to Bank Ruptcy Rule 3002.1
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act the following information has violated my rights. 

All of the account information that needs to be deleted/Corrected is listed below! 

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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose ALL OF THE INFORMATION BELOW NEED TO BE DELETED/ Updated to on time payments ; Especially these derogatory late payments I am filing a complaint I need all of this information DELETED! 


PERSONAL STATEMENTS : DELETE THIS TOO! 
XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX Total balance : {$680.00} XXXX XXXX XXXX Original creditor XXXX Acct # XXXX Balance {$680.00} Balance updated XX/XX/XXXX XXXX Late payment accounts Total balance : {$81000.00} Student loans Total balance : {$81000.00} DEPT OF EDXXXX LATE PAYMENT Acct # XXXX Balance {$2400.00} Balance updated Original XXXX {$2200.00} XX/XX/XXXX DEPT OF ED/XXXX LATE PAYMENT Acct # XXXX Balance {$3300.00} Balance updated Original bal {$3000.00} XX/XX/XXXX DEPT OF ED/XXXX LATE PAYMENT Acct # XXXX Balance {$67000.00} Balance updated Original bal {$49000.00} XX/XX/XXXX DEPT OF EDXXXX LATE PAYMENT Acct # XXXX Balance {$2800.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX LATE PAYMENT Acct # XXXX Balance {$3700.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX Balance Acct # XXXX {$1500.00} Balance updated XX/XX/XXXXXXXX U S DEPT OF EDXXXXXXXX XXXX XXXX  Acct # XXXX Balance {$830.00} Balance updated XX/XX/XXXX XXXX
Product: Mortgage

We need our : YEAR END TAX STATEMENT. We have not received it yet, from Roundpoint Mortgage Servicing Corporation. 
We called on XXXX/XXXX/16, We were told : in 3 business days, but we did not receive anything. We called again on XXXX/XXXX/16, left and message to be called back but never received a call. We called again on XXXX. XXXX, 2016. In desperation, we tried to set up an online account and were absolutely unable to do so. We also sent a certified letter a few days ago.
Product: Prepaid card

I am a Rushcard user who can not access my account. I previously had XXXX dollars in my account before my direct deposit got transferred into my account and my balance remains at XXXX. When I call the number I get put on hold for more than an hour each time then someone gets on the line and tells me they can not tell me anything about my Account. At this moment my car is at risk of being repossessed because o was not able to pay my monthly car note.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one  XX/XX/2019Capital one again on XX/XX/2019XXXX XXXX XX/XX/2019XXXX XXXX XX/XX/2019Capital one XX/XX/2019
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-offs and late payments that are being inaccurately reported on my consumer report. As a consumer, I am protected under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666b ( 2 ), which outlines the legal framework regarding the time limits and reporting of billing errors.

Upon reviewing my consumer report, I have identified inaccurate and/or incomplete information regarding certain accounts that have been marked as charge-offs and late payments. Under 15 U.S.C. 1666b ( 2 ), creditors are required to follow specific guidelines when reporting such information, ensuring accuracy, fairness, and compliance with federal law. I believe the information reported does not meet these legal standards and is causing undue harm to my credit profile. 
XXXXXXXX Revolving account with account # XXXX XXXX XXXX XXXXXXXX Revolving account with account # XXXX XXXX XXXX Revolving  account with account # XXXX XXXX XXXX Revolving account with account # XXXX
Product: Checking or savings account

I deposited a check for {$69000.00} to Wells Fargo business checking account on XX/XX/24, the receipt I received stated that funds will be available on XX/XX/24, however on XX/XX/24, I received an email from Wells Fargo stating that the funds will be held until XX/XX/24, due to deposit excess. I have deposited larger checks before and it cleared without any issues. I have been banking with WF for 5 years. My account is in good standing, I never had a check returned. So I called WF and was told they can not remove the hold, they will release {$5000.00} on XX/XX/24 however the remains {$64000.00} will not be released until after XX/XX/24. Again, I have deposited bigger checks and they cleared with no issues. I dont understand why my funds are being held. This is a business checking account and I have multiple workers to pay. Please help me with resolving this issue with WF. Thank you.
Product: Mortgage

Our firm, XXXX XXXX, has been monitoring our client 's request for mortgage assistance with Wells Fargo ( " WF '' ) to ensure WF 's compliance with Regulation X. For several months, our client has been actively trying to get her application reviewed in order to begin paying her mortgage and save her home. However, WF has failed to act diligently and continues to send our client letters with inaccurate statements claiming documents are still missing despite having provided all documents requested. Our client submitted her application for mortgage assistance to WF on XXXX XXXX, 2015 by certified mail, which was received on XXXX XXXX, 2015. On XXXX XXXX, WF sent a letter to our firm requesting a list of additional documents needed to complete the review. Our client supplied all documents from the list that existed on XXXX XXXX. 
On XXXX XXXX, WF acknowledged receipt of those documents however did not state whether anything additional was required. As suggested on WF 's correspondence, we checked the status of the modification review on WF 's online portal on XXXX XXXX. The website showed that the documents step of the review process was complete and the application was being reviewed. But then, WF sent XXXX different letters dated XXXX XXXX and XXXX XXXX stating the application was not complete and more documents were needed. We submitted a Notice of Error to WF detailing the inconsistent information we were receiving in our efforts to request mortgage assistance for our client. 
Again, our client submitted all the documentation she had in an effort to finally get her application properly reviewed. WF 's response to our Notice of Error dated XXXX XXXX failed to adequately address the issue we raised and instead just stated the application was being reviewed and to contact WF via telephone if we wanted more information. The letter did not address whether any documents were still missing or the actual status of the borrower 's application even though we sent WF several requests for information specifically asking for the status of the borrower 's application and what documents, if any, were missing for their review. Since we received no meaningful response from WF, the borrower believed the application was complete and being reviewed as their stated and the website portal showed. 
WF sent our firm XXXX separate letters both dated XXXX XXXX, only 8 days after their response stating the application was being reviewed. XXXX letter acknowledged receipt of additional documents that were sent in and stated they were being reviewed. The other stated the Borrower was being denied mortgage assistance because the application was pending for too long. WF has not sent the borrower any indication that additional documents were needed since the XXXX XXXX letter, which the borrower complied with. To date, we have submitted XXXX Notices of Error to WF and still have yet to receive a proper review for our client 's request for mortgage assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I addressed information that I am absolutely certain that does NOT belong to my identity. The following information is completely inconsistent with my actual identity and it needs to be corrected with haste. I want the results shown on the CFPB Portal. If XXXX is confident with their investigation of this, they can also show results in the CFPB portal. Sending the results separate outside the CFPB portal is a stalling tactic and is contradicting. As you can see in your records I have reached out to you countless times, that being said, you can not say you do not know if this is me or a third party, you have the identification you need. You have 15 days to respond, not 30 days if you try to transfer this issue outside the CFPB Portal
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I've recently noticed fraudulent activity on my credit reports ( Experian, XXXX XXXX XXXX ). What has been reported, has led me to believe that I may be a victim of identity theft, as I did not approve nor authorize any information to be used in my name, social security, and/ or attending any college/ University, etc. I am requesting that this fraudulent item be deleted from my credit report at your earliest convenience. I've placed a security freeze on my credit which should alert me proper to my information being used toward this account. This fraudulent item is reporting inaccuracies which are negatively impacting my relationship with numerous creditors, as I am in the process of buying a car. I have reported the theft of my identity to the Federal Trade Commission and would this item to be removed from my credit report immediately. Please review the enclosed copy of the Federal Trade Commission affidavit regarding this fraudulent account. Thank you!!
Product: Credit reporting or other personal consumer reports

XXXX Transunion and XXXX Has violated my consumer rights by reporting accounts related to identity theft 15 U.S. Code 1681i - Procedure in case of disputed accuracy please proceed accurately Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs. 

all documents attached to proceed with Deletion Police Report, FTC REPORT, ID, COMED BILL, and dispute letter attached 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 



HERE ARE THE IDENTITY THEFT ACCOUNTS & INQUIRIES 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 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: Mortgage

In XXXX of 2021, Freedom Mortgage offered me a " streamline VA refinance '' on my mortgage. I believe that I closed on that sometime in late XX/XX/2021. I believed my 1st due payment on the new mortgage was in XX/XX/2021 based on verbal information given to me by Freedom Mortgage. As a result, I did not attempt to make my new mortgage payment in XXXX and was considered 30 days late in XX/XX/2021 and XX/XX/2021. Having actually paid my XX/XX/XXXX payment in XXXX, and my XXXX payment in XXXX- I did not discover that I was actually 1-month behind until early XXXX and then made two payments during the month of XX/XX/2021 to essentially " catch up '' on my payments. 

I'm requesting a 1-time goodwill gesture on their part to remove the 30 day late entries on my credit report for XXXX and XX/XX/2021. I've taken the necessary steps to ensure there are automatic payments made at the first of each month to ensure there will never be another late payment. 

I realize that this is not something that Freedom Mortgage has to grant, but this goodwill gesture will greatly increase my standings and ability to gain positive traction with my credit score. I also admit that it was entirely my responsibility to know when my mortgage payments were due, and this was entirely my fault, but I'm hoping and praying there can be an act of goodwill and faith in my continued business with them and holding my mortgage with their company.
Product: Money transfer, virtual currency, or money service

Hi, On XXXX XXXX fraud transactions ( XXXX transferred ) happened on my bank checking 's account and someone transferred {$3600.00} via XXXX. I went to PNC to file the dispute on XXXX they did not solve my problem so I called escalation team to file the dispute PNC dispute ID XXXX and filed police complaint # XXXX on same day. PNC denied my dispute and redisputed on XXXX and they denied the dispute again. I am helpless right without my bank account and I lost my money. Don't know how to resolve this issue. PNC is pathetic bank. Please help me to solve this problem. I need my money back. 

XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am very upset that XXXX XXXX is reporting an account on my credit report in duplicate. It is the same account illegally reporting in duplicate stating that I owe {$1400.00} on XXXX and {$1600.00} on the other. I have only XXXX account with a balance of {$1400.00}. 
I have a balance {$1400.00} with XXXX XXXX XXXX XXXX and any other account or balance reporting should be REMOVED as any other account is False. 
( Screenshot Attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported on my account on all three credit reports as amount delinquent. The company has reported Account charged off in {$440.00} written off. {$440.00} past due as ofXX/XX/XXXX. Yet the full amount this was reported on form 1099c as cancellation of debt but still reporting to credit bureaus as of XX/XX/XXXX and continuously for the last few years. The account number for this account is XXXX. The address for XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX.
Product: Debt collection

This debt is not mine. They have the wrong person. I never purchased anything from XXXX XXXX. I have been trying to dispute this same debt for many years and it has previously been closed by other debt collectors. See my documentation of this process attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery a debt collection agency is reporting a debt that is over 5 years old and needs to be removed. They keep updating and changing the date to make it look newer than it is. XXXX XXXX was for a retail credit card opened up in 2012 and needs to be removed. 

I've been addressing this for over five years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified in XX/XX/2019 from my XXXX credit monitoring that there was a late payment marker on my Credit Report. I called myfedloan immediately to see what happened as I have not had a late payment in the 10 years I have had the loan. They stated on the phone in XX/XX/XXXX they had my wrong address even though I had all of my mail forwarded to a new address as I have done that with them before. They also said for some reason there was an error they received when also trying to send me emails and acknowledged there was an error in their system. They said even though it was an error in their system, it doesn't allow them to remove the incorrect late payment due to their error because the system is old and doesn't recognize that as a valid reason. They prompted me to file a dispute with their team and I did, and it was denied they then told me to reopen the dispute and provide all of this documentation which I did and they still denied it. I am concerned that they are able to ruin someones credit, and career by making this kind of mistake and wont take any steps to course correct their error.
Product: Credit reporting or other personal consumer reports

I have already disputed it with all three credit its only still on transUnion and XXXX i know that everything should match up across all three credit bureaus XXXX have already deleted it off my credit profile so that means its need to be removed off the other two because its not right i have added the police report and XXXX XXXX paper
Product: Credit reporting, credit repair services, or other personal consumer reports

I suffered an Equifax data breach and my information has been used fraudulently. I have recently reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605B and Title 15 USC 1681 C-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written consent. Title 15 USC 1681 602 ( a ) states I have a right to privacy. 

accounts for a XXXX XXXX with account # XXXX with a balance of {$8900.00} accounts for a XXXX XXXX XXXX with a account # XXXX Inquiries with XXXX XXXXXXXX inquired on XX/XX/2020 inquiries for XXXX inquired on XX/XX/2020 All these above items are fraudulent!