23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was with XXXX XXXX XXXXXXXX and was sold to Selene finance. My terms and payments were not supposed to be changed. The only thing that Selene said was changing was the payment address. My mortgage with XXXX XXXX XXXXXXXX was {$900.00}. At one point XXXX said the payment was {$750.00}. After a few months XXXX started sending my billing statements for {$8800.00} a month. I have called since this happened and nobody can explain why. XXXX will also not accept any payments lower than the {$8800.00}. I call XXXX a few times a month and nothing ever gets resolved. Now they are wanting to foreclose on my home. I pay my own homeowners insurance and taxes. At one point they said they were adding their own insurance. I never had an escrow account with XXXX XXXX XXXXXXXX.
Product: Credit card or prepaid card

Forever 21/Comenity Bank sent me an email bill that I missed because I wasn't expecting email statements so I was late on my payment. I am never late and have excellent credit. I called on XX/XX/2022 and spoke with a representative asking that the late fee ( {$29.00} ) be waived and she said it would be. I asked for my adjusted balance so I could pay it in full, and I did. Since I thought the card was paid off, I didn't notice that ONLY 1/2 of the late fee was waived ( {$15.00} ) and I still had a balance and it was accruing interest, unbeknownst to me. The fact that only 1/2 of the late fee was waived was not CLEARLY explained in the phone conversation. In a follow-up call to Comenity/Forever 21 , they would not rectify this issue for me saying I had already used my one-time exemption. I understand you can only do this once but they DID NOT MAKE CLEAR that is was not for the full amount. I feel like they are using deceptive practices to let me believe I received a full late fee credit/waiver. I was also put on long holds and had to restart the call 4 times to get nowhere. Plus this call center is not in the US and the phone service was horrible. Do not deal with this company.
Product: Credit reporting or other personal consumer reports

Upon receiving my credit report, I noticed several inaccuracies and unauthorized accounts/ information reporting on my credit report. These remarks have been detrimental to my credit health.
Product: Payday loan, title loan, or personal loan

I was approved for equity line of credit from XXXX XXXX  i am being charged XXXX dollars ad other fees when i paid them off no balance I feel they take advantage of consumers financial needs they took a payment when it was not my pay day i had to pay bank fees and that was never refunded was all teller mistake
Product: Vehicle loan or lease

I picked up my payoff check from XXXX on XX/XX/XXXX and mailed it to Ally Bank using the UPS Store. UPS store inadvertently sent it to Ally 's corporate center instead of the payment processing center, it was delivered on XX/XX/XXXX, XXXX Tracking Number : XXXX. According to Ally customer service, the check was re-routed to their payment processin center on XX/XX/XXXX. I was intially told 5-7 business days, then 7-10 business days for them to receive the check. I have been calling customer service every other day, sometimes daily, to get this resolved. I have now accrued a missed payment late fee, as well as daily interest as this has gone beyond the XXXXday payoff quote. I have been told they will waive the late fees, and make a decision on posting date once they receive the check. Most recently, Ally stated they are having system-wide issues at their payment processing center and can not even tell if they have received the check that was forwarded to them from their corporate office. I have been given a reference number from Ally Bank customer service, reference # XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Unauthorized inquiries : EXPERIAN XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I would appreciate it if you could quickly remove the fraudulent entries from my credit report due to the situation and take the necessary actions to correct any inaccuracies or fraudulent activities. I've included documentation from the relevant authorities to back up my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Transunion Credit Bureau a handwritten letter to dispute two bankruptcies shown on my credit Case # XXXX and Case # XXXX. I sent this letter certified ( USPS Tracking # XXXX ) which it was received on XX/XX/XXXX. In this letter I requested Transunion to submit verifiable proof since these are unverified bankruptcies. Transunion sent me a response dated XX/XX/XXXX ( copy is attached ). Per their investigation, the information is verified as accurate and information updated. On XX/XX/XXXX, I mailed Transunion another letter ( copy is attached ), stating they did not provide me with a copy of any viable evidence. Transunion sent me a response dated XX/XX/XXXX ( copy is attached ). Per their investigation, the information is verified as accurate. Transunion has failed to provide me with the name of the company they verified this information with and the information I have requested so I can properly dispute this with the reporting company. I have verified and received correspondence from both bankruptcy courts and PACER, that they do not verify information with the credit bureaus. I do n't know who they verified this information with. This is a violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Wells Fargo Dealer SVC regards their unauthorized sharing of my non public personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information, and I believe my privacy rights have violated. 

On XX/XX/year> I notified Wells Fargo Dealer Svcs that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my non public personal information with non affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with institution.

Despite my explicit opt-out request and my clear assertion of my rights under The GLBA, I have reason to believe that Wells Fargo Dealer SVCs had contributed to furnish my non public personal information to non affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potentials consequences of this unauthorized sharing, including the protection for identity theft, fraud, or other financial harm. 

I kindly request that Consumer Financial Protection Bureau Incesitfsge this matter throughly and take appropriate action to ensure that Wells Fargo Dealer SVCs complies with all federal regulation and, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the process of this investigation and any actions taken to address the violations committed by Wells Fargo Dealer SVCs. 

Please feel free to contact me at ( XXXX ) XXXX or XXXX if you requireany further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Product: Mortgage

We are trying to drop the PMI off our loan and had an appraisal done showing our property value at {$160000.00}. Our loan balance is {$120000.00}. Making our LTV 76 %. When we requested through Bank of America to drop our PMI, they refused saying we needed to be at 75 % LTV instead of the 80 % we feel we are entitled to under the Homeowner 's Protection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with XXXX, XXXX, an TRANSUNION and I have received no answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, ACCOUNTS RECEIVABLE add a derogatory mark on my credit report per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ACCOUNTS RECEIVABLE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
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, and, 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 : 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

My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I recently discovered that I am a victim of identity theft. The items listed on my report were opened fraudulently to obtain goods/services and I am requesting that they all be removed immediately. The accounts are listed in this report and attached to my statement. 

Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020, XXXX bank close my account with informing me and right after I fail a compliant against with the XXXX XXXX XXXX ( XXXX  ). Then I asked the representatives via as to why the bank closed my and she told me could not disclose. On XX/XX/XXXX, I did file a complaint against them because they locked my account because I traveled outside the US and used my card at a local ATM to withdraw cash. For a total of six days my account remained locked without me knowing why the actual reasons why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a push notification on my phone from XXXX XXXX that a hard inquiry was done on my account from CBNA this evening ( XX/XX/2019 ). I never applied for anything from Citi Bank. I did receive notice by mail for an XXXX XXXX Mastercard through them but I set it aside to throw it away because I had just received a XXXX  XXXX card just prior and didn't want to damage my credit.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXXXX/XX/XXXX
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX,2017 somebody Opened account for {$1000.00} usd from XXXX XXXX and was not me, My credit score got down from XXXX to XXXX in equifax only, for that reason
Product: Vehicle loan or lease

Around XXXX time frame my truck was illegally repossessed and sold. I had just made a payment the week prior to making arrangements to go and get the vehicle out of the tow yard. My truck was repossessed I was never notified and it was sold.
Product: Checking or savings account

This is to advise that etrade XXXX  closed my accounts without any written or email notifications per their customer agreement. On XXXX XXXX while out of town i noticed i did not have access to my accounts. I called etrade bank and they advised two of my accounts were closed suddenly and the third was closed for everything except investment deposits. I asked why? they stated per their customer agreement they are able to close accounts down. I was questioned about all of my deposits which are all legitimate deposits into my account and the rep questioned why so many companies. I advised that I am a business owner. I have been discriminated against from this banking institution that i have been a customer of for the last 8 years. The rep kept insisting based on the customer agreement they had that choice. I advised per the agreement it also states they would give a customer a 30day notification and send letters to advise of the closing of any accounts and representative confirmed on many occasions during this call this was not done. I had to quickly change banks for direct deposits and withdrawals some of which I had coming in the same day they decided to close the account. They were also redlining the use of my card and account before this denying certain transactions and would not approve them when the funds were available in my account. They have in the last year done unfair trade practices as a banking institution, which has caused me a lot of havoc personally and in my business. They should not be allowed to no follow protocol or discriminate and in their agreement in print it states they will notify a customer and give a 30 day notification. During the time of the account closure there was not a negative balance, I have never carried a negative balance on any of the accounts more than 30 days. There was no fraud activities and although many deposits came in they were legitimate deposits. I asked the rep why was I being questioned what cause and she could not give a complete answer. Also the day before the accounts were suddenly closed I called in with a third party to verify a transaction and the rep asked for my security question with a third party on the line. When asked why this was done he had no answer. I advised when third parties are on the line basic information such as account number and name are only to be disclosed based on what I was told by ETrade. After this situation my account was closed.
Product: Debt collection

VIOLATION OF Federal Consumer Protection Act 809 FAILURE TO VERIFY/VALIDATE DEBT INCORRECT INFORMATION On XX/XX/2019 I was personally served with a summons for an  attempt to collect a debt I had no knowledge of. The summons claimed an amount of {$860.00} was being sought on behalf of plaintiff by attorney supposedly representing them. 

On XX/XX/2019 - I sent certified letter received by attorney on XX/XX/19 requesting competent evidence bearing my signature, showing that I have contractual obligation to pay attorney/plaintiff.

On, or around, XX/XX/2019 I received a package in mail from attorney with several pages of printed out credit card invoices with my name and address on it. No signature was provided, no written proof of Proper Assignment of Debt. 

The last page of the invoices showed a balance that was NOT the same as amount claimed by plaintiff. 

On XX/XX/2019, I send second certified letter requesting Name, Address, and telephone of each person who personally verified the account, and requesting copy of any documents bearing my signature, showing I have a legally binding contractual obligation to pay the alleged amount. 

On XX/XX/2019 I showed up in court at XXXX as directed on summons and plaintiff or representation did not. No proof was provided validating and verifying this account and plaintiffs proof of Proper Assignment of Debt. 

Attorney/Plaintiff has violated Federal Consumer Protection Act 809 a-d by not communicating as required by law and providing required information. 

Attorney/Plaintiff has failed to provide proper original signed documents with signature verifying and validating debt they are attempting to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to get verification or an explanation on how a credit inquiry was put on my credit report with no success. I have no knowledge whatsoever of the credit inquiry and where it may have come from. The company refuses to provide documentation bearing my signature as required by law.
Product: Checking or savings account

Direct deposit was due to be posted into my account today. No deposit has been deposited despite my company confirming the deposit has been sent.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX
Product: Mortgage

1. Shellpoint has failed to correct my loan to comply with a Federal Bankruptcy reaffirmation agreement. 
2. Shellpoint has given false testimony in XXXX XXXX XXXX XXXX Court that I have never paid any payments on the loan since 2011. 
3. Shellpoint has not corrected the escrow account 4. Shellpoint is trying to collect discharged debt calling it a BK fee in the courts and on a payoff statements.
Product: Credit reporting or other personal consumer reports

My credit report indicates a line of credit was opened by XXXX XXXX on XX/XX/XXXX. There have been credits collected and paid from XX/XX/XXXX through XX/XX/XXXX, while I was making payments toward my debt out of a separate account. Once I instructed transfer of the credits to pay my debt, the transfers ceased to be completed. 
On XX/XX/XXXX I sent a certified letter requesting the confirmation statement for the security from my credit transaction. The registration statement should list the name of the registered owner. I suspect this is the person or company who has been receiving the benefits from my credit transaction. The registration of my financial asset to another would have been done without my knowledge or consent. I have not received the benefit of any credits from XXXX XXXX since the account was opened, and I have been unable to confirm with XXXX XXXX who they have been sending my credits to. 
On XX/XX/XXXX, I called customer service to try and file a complaint. My request was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing XXXX account # XXXX due to the fact that it is being reported inaccurately : as highlighted in the attached, the last OK status is reported as XX/XX/XXXX which doesnt tie into the date closed reported as XX/XX/XXXX. 
Please investigate and delete this inaccurate disputed account
Product: Checking or savings account

On XX/XX/year>, Chase reversed a XXXX transaction labeled XXXX Dispute - XXXX, resulting in a {$270.00} debit from my account. This reversal was unauthorized and unfair, as I provided proof of delivery for the item sold to the user involved in the dispute.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, with fraudulent accounts opened in my name by others. Despite providing proof from both XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX stating the accounts are fraudulent, Equifax has failed to remove them. The other bureaus, XXXX and XXXX, have already removed the accounts.
Product: Credit card or prepaid card

Before receiving the card, I never received a contract in fact I got 3 contracts over a year after I received the card then they closed the account. Discover closed my account and reflected negatively on my consumer report. After many revocation of reporting request under 15 usc 1692 it states that they can not report to the credit reporting agency without expressed permission. Also under sec e it states A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. since discover is a financial service it ca not be a debt collector yet continues to mislead me. It has stated it closed my account because they can which translates to adversary action and discrimination especially since the account was closed in response to a serious inquiry. This company has cost me employment, careers, car loans, mortgages, and educational services. They have told me you are the little guy so they can get away with anything. They have sent me an adverse action denial letter an entire year after an application was placed in my name without my consent or acknowledgment this again violating my consumer rights and my civil liberties. When does this end?
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist