23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have received 6 phone calls from XXXX in the last 4 days. 2 calls on Monday, XXXX at XXXX XXXX and XXXX at XXXXXXXX XXXX. Tuesday was at XXXX XXXX, the other was at XXXXXXXX XXXX. I answered the one and they said that I am late on a payment. That is it. I am just LATE on ONE payment. It has not even been a month since the payment was due. I didn't get any calls on Wednesday. I received XXXX call today at XXXX and another XXXX at XXXX. 

This is harassment. Over ONE LATE payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts reporting on my credit report. I submitted a complaint with the Federal Trade Commission. Please help me to remove these accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1.XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX 2. XXXX  - AUTO FINANCE & XX/XX/XXXX 3.  XXXX  - AUTO FINANCE & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX XXXX  XXXX  XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be  liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Debt collection

i had my credit ran and i see a collection from hp sears i do not owe hp sears or do i have a contract with hp sears i request hp sears to delete this collection from my credit report. if not i will have to sue in small claims court. delete now not mine
Product: Mortgage

On XX/XX/XXXX, I closed on my house with a mortgage amount of {$2200.00}. On XX/XX/XXXX, I contracted Wells Fargo concerning receiving a letter stating that my City taxes had not been paid. Wells Fargo stated that the taxes had been paid. However, they would file a case for the further review and requested that I fax a copy over to them. I faxed the information over to Wells Fargo the following day. I contacted the taxing authority a couple of times to verify payment. Payment was not made by Wells Fargo until XX/XX/XXXX. I called Wells Fargo on XX/XX/XXXX to see how this payment was going to affect my account. I was informed that since the City taxes and County taxes were more than the amount calculated for my loan that I had a negative {$770.00} in my escrow account. The Wells Fargo rep stated that I was lucky to check on this matter now because when my escrow analysis runs in XX/XX/XXXX ; my mortgage would increase by {$500.00} to adjust for the shortfall. I asked why I was not notified on the shortfall. She stated that they do not have to provide this information until the escrow analysis is run. She also told me in order to correct the issue now ; I would need to make a payment for {$3000.00} and my mortgage would still increase by {$180.00} per month. So, I made an escrow payment of {$2500.00} on XX/XX/XXXX. I made {$110.00} escrow payment on XX/XX/XXXX. I spoke to another rep who stated that the entire payment would need to be paid by the end of XX/XX/XXXX or the system would automatically increase my payment by {$500.00}. I asked could they reverse some of my principal only payments to help get me to the necessary balance. I also asked if Wells Fargo could adjust the figures since this was their mistake. I was advised that this was not issue and that the Title company made the mistake and that they had already paid the {$32.00} late fee for the City taxes as a customer service gesture. At this time, I still owe an additional {$400.00} before XX/XX/XXXX if I do not want to pay an additional {$500.00} on my mortgage each month.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint regarding the presence of fraudulent items in my credit file. It has come to my attention that there are items listed on your platform that are fraudulent in nature, posing a significant risk to your users and damaging the reputation of your platform. 

These fraudulent items are not only deceptive but also potentially harmful to unsuspecting buyers who may fall victim to scams or receive substandard or counterfeit products. Such activities not only violate the trust of your customers but also undermine the integrity of your platform.

I urge you to take immediate action to remove these fraudulent items from your platform and implement stricter measures to prevent similar occurrences in the future. This may include enhancing your verification processes for sellers, implementing stricter guidelines for listing products, and increasing monitoring and moderation of listings. 

Furthermore, I request transparency regarding the actions taken to address this issue and ensure that appropriate measures are in place to prevent the reoccurrence of such fraudulent activities. 

Failure to address this matter promptly and effectively could result in irreparable damage to your platform 's reputation and trustworthiness. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$210.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX  XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX  XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/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  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the last 6 months while using a debt relief program through clearing advantage, we came to a settlement agreement. While I upheld my end of the deal and paid them the amount we agreed upon they are still saying I owe them the remaining balance of the loan and reporting missed payments on my credit report. I have asked them to fix this and they have not responded to my emails. I have filed a dispute through experian and they told them the information they are reporting is accurate. This is dragging my credit score down and I do not know what to do. Anything you can do to help would be appreciated.
Product: Mortgage

After Hurricane Irma, because I was in a federal disaster zone in XXXX Florida, I requested from SLS a loan extension, I was given a forbearance, with 3 months to pay two months missed payments. 

My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX statements each have a late fee imposed on me, however, I am not late, as I am in approved forbearance. 

I have called SLS every month requesting an adjustment and it has not be reversed and credited to my account. 

XX/XX/XXXX there is a Fee Billed Accured late Charge of {$120.00} - XXXX Statement XX/XX/XXXX Property Inspection Fee of {$15.00} - XXXX Statement XX/XX/XXXX Accrued Late charge of {$120.00} - XXXX Statement XX/XX/XXXX Accrued Late charge of {$120.00} - XXXX Statement.
Product: Checking or savings account

Chase bank offset my account on XX/XX/2022 and justified such action by citing their 'The Deposit Account Agreement ' which outlines the definition of a joint account. This agreement also states that " We do not have to give you any prior notice to apply the funds except as required by law ''. As stated in 'The Consolidated Laws of XXXX XXXX ', Chapter 2- Banking, Article 1 : Short Title ; Definitions ; Miscellaneous Provisions, Section 9G 'Right of set off ', subsection 3 - " No banking institution shall assert, claim or exercise any right of set off against any other deposit account held by such banking institution unless, prior to or on the same business day of such action, notice of the set off together with the reasons for the set off are mailed to the depositor ''. I nor any other of the joint account holders were ever notified of an intent to offset by Chase bank, making their actions on my account unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  Information Systems. The Items I have  identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Debt collection

This situation started on XX/XX/XXXX of this year, XXXX last month. I was at work, XXXX  of a XXXX Unit when my Boss came in and stated she needed to print out paperwork for me. The paperwork was from XXXX XXXX XXXX with a garnishment of my pay which I had no idea was even held. I had not received anything related to a court. On the court papers sent to me, The date stated XX/XX/XXXX. I had not received any notice of a lawsuit. Again, I received the court paperwork in XX/XX/XXXX. I called and talked to the court secretary and stated I had never received any notice from XXXX about the lawsuit. The secretary stated the plaintiff had told the judge they had mailed a notice to me at my home listed on the paperwork. I informed her I never received a notice nor wasI given a notice from a process server from the court. The paperwork from the court is still in my possesion. In the paperwork it stated I had never made any payments to the balance. This is inaccurate. I paid monthly against the balance, however, the majority of the payment went to interest on purchases. In fact, from, the payments sent, between XXXX to XXXX dollars, XXXX to 90 % went to interest on Purchases. The balance continued to grow each month. Over time it became impossible to make the payments. This was very disturbing for me. Not being able to put the money towards the balance. I finally had to stop due to the balance increasing.
Product: Mortgage

RECEIVED A CALL FROM XXXX @ CARINGTON MORTGAGE AT XXXX TODAY .AFTER SHE VERIFIED INFORMATION SHE STATED THE CALL WAS BEING RECORDED .I STATED I DO NOT WANT TO BE RECORDED AND CALL ME BACK ON A NON RECORDED LINE.AT XXXX SHE CALLED BACK FROM A XXXX NUMBER AND VERIFIED INF AND SHE BEGAN TO ASK ME WHY I WANTED A NON RECORDED LINE.I STATED I DO NOT HAVE TO GIVE A REASON AND SHE KEPT BADGERING ME AND TRYING TO COERCE ME TO SPEAK ON A NON RECORDED LINE.SHE STATED WE CAN NOT ASSIST IF BASICALLY DONT TALK ON NO RECORDED LINE.I TOLD HER I REQUESTED TO SPEAK ON A NON RECORDED LINE FOR MONTHS IN WRITING VIA CERTIFIED MAIL AND EMAIL AND BORROWERS ARE BEING PROHIBITED NOW TO DISCUSS HOME RETENTION LOSSMITIGATION OPTIONS BECAUSE WE WONT SPEAK ON A RECORDED LINE, THIS IS AGAINST THE LAW!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
borrower has DEFINITIVE PROOF THAT A NON RECORDED LINE TO SPEAK ON HAS BEEN REQUESTED FOR MONTHS BORROWER PLANS ON A SUBPOENA THIS 2ND PHONE IN ITS ENTIRETY CALL FOR IT DISPLAYS THE EGREGIOUS PATTERN OF CONDUCT AND DEMONSTRATES CLEAR VIOLATIONS OF THE LAW BY XXXX AT CARRINGTON
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Account # : XXXX reporting innaccurate information XXXX XXXX Account # : XXXX reporting innaccurate information XXXX XXXX Account # : XXXX reporting innaccurate information XXXX XXXX Account # : XXXX reporting innaccurate information XXXX XXXXXXXX Account # : XXXX reporting innaccurate information XXXX Account # : XXXX reporting innaccurate information XXXX ( original creditor : XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX ( original creditor : XXXX XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX ( original creditor XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX XXXX ( original creditor : XXXX XXXX ) Account # : XXXX reporting innaccurate information These accounts has violated my rights .

15 USC 1681 section 602 A. States I have right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions to do so.

15 USC 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 USC 1681 section 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 innaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my wife and her 2 sisters inherited property from her parents estate after her fathers death. She sold that property, and split the proceeds with her 2 siblings. In XX/XX/XXXX, we went to refinance a home we had purchased, only to find out that the state of Alabama had assessed a lien on our credit, without even telling us. We fought the lien, and were able to get it RESCINDED, which means it was an error. We have provided a copy of the official letter from the State of Alabama Department of Revenue which states that the assessment was " RESCINDED '', as we never owed that amount, or any amount for that matter. 

Currently, on my Experian and XXXX credit reports, I am still being shown as having a Tax Lien for {$9900.00}, showing that the lien was " released ''. Released is not Rescinded. We didn't pay that amount, we weren't forgiven or released from owing that amount, we don't owe that amount, and it was rescinded. I called the county clerk myself, and verified that there is no public record showing that I ever owed the state of Alabama that amount, and there is no way that they should be able to verify it, because it's not there, it was rescinded. I have written to both companies demanding that they remove this from my credit report, and they refuse. I am now filing a complaint.
Product: Vehicle loan or lease

Im in The process of buying my first home. My loan officer contacted me stating that I have a late payment within the 12 month period ( which disqualified me from being approved ). She stated that the late payment was from AutoTrakk and listed on the XX/XX/XXXX. I reached out to autotrakk on XX/XX/XXXX and asked if they could remove the late payment since we did not set up a payment arrangement and my account status is closed. They said they will look into it the issue. Also I requested a letter stating that the late payment that is on my credit report from XX/XX/XXXX is incorrect. They did write a letter however the letter did not mention the late payment. I called AutoTrakk back after receiving the letter and they asked me why did I need this removed so urgently and I told them. The person stated that if I could purchase a home then I could set up some type of payment arrangement to pay AutoTrakk back. I explain to them that as of now I did not have the funds to do that and all I need from them was to remove the late payment that was from XX/XX/XXXX. The person responded by saying that they could not do anything else to help me if I was not willing to set up a payment arrangement. Also they said verbatim Once that information is sent over to the credit bureaus, we have no knowledge of how they will interpret that information. It is all based off their own internal proprietary matrix that we do not have access to. I have the emails to support my issue. I did dispute this issue with XXXX  however they sent me a letter last week with contents from AutoTrakk inside of the letter. It had a fake ledger with a payment arrangement set up. I did not set up a payment arrangement. The last time that I spoke to someone at AutoTrakk prior to this issue was XX/XX/XXXX. The information on my credit report is completely false. The late payment from XX/XX/XXXX is completely false. Enclosed below I have uploaded the original emails from myself, my loan officer and the AutoTrakk representative. Also the letter that I requested from AutoTrakk, that did not include the late payment from XX/XX/XXXX. Due to false information on my credit report, it has held me back from having a stable home for my child and myself. I would like this issue to be resolved.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED 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 XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I used my credit card in which I am the authorized user, to make a purchase to my car fiance company. The company had an option for a credit card ( which is what I used ) or a debit card. The credit card processed as a credit card on the merchants side however the credit card company posted the payment as a cash advance/wire transfer. I spoke to the merchant and they stated they do not have a way to change the method of payment on their end they also stated it was run on their end as credit card payment not as a wire transfer. They stated that Capital one has done this to other customers. I spoke to capital one and they told me to go back to the merchants because they cant change the way the merchant code shows on their system. I think capital one is posting payments that should be posted as credit card transactions as wire transfers in an attempt to profit from unsuspecting customers.
Product: Credit card or prepaid card

I purchased 2 flight tickets from XXXX XXXX at XX/XX/XXXX for {$570.00} each and the ticket terms including 2 checked bags per ticket and received the confirmation The flight was operated by their business partner XXXX XXXX When I was using the ticket on XX/XX/XXXX, XXXX XXXX ignored the terms of the ticket and the confirmation I have an allowed only one free checked bag per passenger and charged me for the second one ( {$100.00} per bag ) I filed claims with XXXX, XXXX and Bank of America the card issuer to refund the {$200.00} XXXX paid extra for checked bags I already purchased with the original ticket but my complains was ignored by some with no response and denied by others and considered a separate transaction which is not fair.
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. Let me be unequivocally clear : I will not tolerate this unacceptable level of apathy. As a victim of identity theft, I have suffered immeasurable damage to my financial stability and emotional well-being. The consequences of your inaction are not confined to paperwork and reports ; they permeate every aspect of my life. I demand that you immediately acknowledge and investigate my identity theft disputes. Your reluctance to do so is incomprehensible and infuriating. My rights as a consumer have been egregiously violated, and I demand justice. This is the account that I'm disputing : XXXX XXXX XXXX XXXX. Please remove this account ASAP.
Product: Debt collection

When my divorce was final on XX/XX/2021, the judge ordered that the auto loan was NOT my responsibility. I'm attaching my divorce decree. I submitted this to Sensible Auto and they refused to stop reporting on my credit report and now I have a repossession on my report. 
I asked them what I could do and they told me to refinance with a third-party to pay off the loan, HOWEVER, there are no third parties that will refinance a {$0.00} XXXX XXXX loan which is what they show I owe. I'm attaching the transaction information they sent me which shows I owe {$0.00}. 
So now I'm stuck with NOTHING I can do except beg for your help because there is NOTHING I can do to have this removed from my credit report although they KNOW it's not my debt, I've given them proof AND according to them I don't owe anything after they'd sold it!!!!! 
I don't know what to do anymore. This isn't fair at all! No one cares! I can't move forward with my life because they won't do what is right.