23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In an effort to pay my loan off in  XXXX  years, my  XXXX  daughters agreed to have a total of {$910.00} drafted from each of their checking accounts per month. This was in addition to my payment of {$940.00}. This totaled a minimum payment of {$1800.00} per month. Moreover, I agreed to make my payment every  XXXX  weeks thus making an extra payment per year. The necessary draft amounts to pay the loan off in  XXXX  years was calculated by the  XXXX   XXXX  mortgage loan  officer  who is no longer employed with the  XXXX , AL branch. As previously stated, he explained and we agreed that my checking account would be debited every  XXXX  weeks to make an extra payments per year, thus shortening the term of the loan. This coupled with my daughters ' extra monthly payments would ensure a five-year payoff. The date of the refinanced loan was   XXXX   XXXX   XXXX  , for {$100000.00}. The specifics of the loan include : annual percentage rate is 3.625,  XXXX   XXXX ,  XX -year loan.     I learned that the error had been made when I received information from  WF  that my escrow payment was inadequate and would increase in  XXXX .     When speaking with the resolution specialist, she stated that when I called to give the checking accounts from which to debit the mortgage payment and extra principle, that I did not explain adequately and also that there were documents that should have been filed by the mortgage specialist in  XXXX . I did explain and I have never had an issue with self-expression. The resolution  specialist  stated when I called her concerning the incorrect application of my loan payment that it was too difficult to go back  XXXX  years, but they could probably go back  XXXX  year. My question to her was why could n't the same procedure be utilized for both years since a dreadful life-changing error had been made. I expressed to her that it was our goal to have the loan paid off by the time I was at the retirement age of  XXXX  in  XXXX . If we do not get my money correctly appropriated, first, I will have to work longer and secondly, my children 's selfless effort to help pay the loan off in  XXXX  years will be all for NOTHING.     PLEASE HELP turn this situation into it 's intended positive outcome. Please contact me to clear up any ambiguity.     Finally, I just want to stress that I do not want anything free or anything that I have not earned. I just want WF to do what is right and I want to be treated like a valuable customer, I have never been late in paying a mortgage payment in the  XXXX  plus years as a homeowner, I have an exceptional  credit score  of  XXXX .     When I called to get help with this problem, I was told that my account was paid up to the year  XXXX  because of how the payments were applied. My question which is yet to be answered is, why would anyone choose to pay forward rather than apply extra funds toward the principle of their loan. I am at a loss to understand why anyone would throw their hard earned wages away in that fashion.
Product: Credit reporting or other personal consumer reports

The bankruptcy is reporting wrong on my credit report. I have contact the credit bureau for the last 6 months to remove it from my credit. They pay me no attention. I'm filing a complaint so that I can get my live better. Please remove the bankrupty off my credit.
Product: Student loan

Requesting a full audit, in terms of discrepancies, illicit practices, payments and balances.
Product: Debt collection

In XXXX, XXXX, and XX/XX/year> I contacted the creditor by certified mail USPS and have not received any proof of this debt, from a hospital located somewhere in XXXX or XXXX based on my research. I have not visited, resided, or have any ties to XXXX XXXX XXXX. This has negatively impacted my credit bureau ratings. They are threatening that I owe {$3400.00} immediately with no explanation given! My insurance is through XXXX State of Arizona, which suggested I file a complaint with the CFPB after I had made every attempt to contact this debt collection company with no resolution. I need help from CFBP with this. 

I am now retaining XXXX XXXX to proceed with this matter in addition to filling an additional complaint with the FTC. 

Previously mailed a certified letter with NO RESPONSE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Attached you will find previously sent documents.
Product: Credit reporting or other personal consumer reports

I contacted this company to let them know that I do not owe any money to them. This information is an error.
Product: Credit reporting or other personal consumer reports

XXXX % of the things showing on my credit should not be there, old address I never lived at, credit cards I never had, loans an payday loans I never got, I think this could be do to someone using my name fraud situation, My father has the same name in the passed he has got things in my name using my social security number, I did XXXX days in XXXX  for a situation that happened in XXXX XXXX were he was pulled over an he used my name an birthday, my XXXX XXXXXXXX violated me thout I was in XXXX XXXX, This has been going on for quite sum time. Please remove the things that doesnt belong Thanku
Product: Credit reporting, credit repair services, or other personal consumer reports

In the accordance with the fair credit reporting act XXXX XXXX ( XXXX XXXX ) XXXX has violated my rights. 

15 U.S.C 1581 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 or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Equifax XXXX : Complaint Department XXXX XXXX XXXX XXXX, XXXX  XXXX I have recently pulled my Equifax credit report and notice accounts that have been investigated and deleted by another credit bureau still being reported by Equifax. Attached to this letter is proof that this account was deleted. Please follow suite and delete these accounts for accurate reporting. They were deleted in order to show my true credit history. 

XXXX  has removed all accounts associated with ( XXXX   XXXX  ). These collection agencies were reporting the following accounts from the following original creditors : ACC # XXXX Amounts : {$20000.00} Original Creditor : XXXX XXXX Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

Thank you for your cooperation, XXXX XXXX
Product: Debt collection

This company named ATG Credit has been calling me, they also put some information on my credit report. The person i spoke to yesterday was very rude, and she asked me why was i calling this company. She said the company had been calling me since XXXX. so i knew the reason. I asked her why did the company put some information my credit report before they knew if they had the right person. I asked her to send me some information on this bill, because i have no information, and i do not know anything about this company. She said she was going to put down that i refused to make any payment, and hung up. I called back and spoke to some else to complain, asked them to send me a copy of the bill.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681C-2 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, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft.
Product: Debt collection

I am attempting to purchase a house and my credit report was ran by credit company. When report was ran I had a collection account that was paid in full and still showing on my credit report and has not been removed. The amount is {$600.00} from XXXX XXXX. I have contacted them and they are showing me that there is a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

DATA BREACH IDENTITY THEFT. MY PERSONAL INFORMATION HAS BEEN MISUSED TO OBTAIN CREDIT, RESIDENTS AS WELL AS AUTOMOBILE CREDIT CARDS I BEEN A VICTIM SINCE XXXX AND XXXX WHICH I FILED A POLICE REPORT BOTH TIMES THERE ARE INQUIRIES THAT I DIDN'T GIVE PERMISSION AS WELL. MY INFORMATION IS ALSO FOUND ON THE BLACK WEB I BEEN NOTIFIED. I HAVE SENT DISPUTE LETTERS THAT WASN'T HONORED BY THE CREDIT COMPANIES TO CLEAN UP THE MATTER AND UPDATE MY INFORMATION WHICH WAS IGNORED BY ALL XXXX CREDIT COMPANIES REPORTING FALSE COLLECTIONS AND CHARGE OFFS THAT DO NOT BELONG TO ME DUE TO ME BEING A VICTIM OF DATA BREACH IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

Please take this complaint seriously as this is so frustrating, my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Product: Mortgage

XXXX XXXX and XXXX XXXX Signed a mortgage with XXXX XXXX funding XXXX XXXX XXXX XXXX XXXX was named as Trustee and XXXX Mortgage electronic services was named as beneficiary ( see attached ). On XX/XX/2022, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transferred Plaintiff title to The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as trustee for XXXX XXXX XXXX and the XXXX was listed as XXXX XXXX. The complainant then reached out to XXXX XXXX and asked if they granted title to such entity or Trust, and they stated that they did not. The complainant is now seeking on affidavit to remove the false filing from public record per North Carolina statute. By law XXXX XXXX  is the Truste per Complainant contract on line XXXX it states concerning Substitute Trustee : Lender may from time to time remove Trustee and appoint successor trustee to any Trustee appointed hereunder by an instrument recorded in the count in which this Security Instrument is recorded Without conveyance of the Property, the successor ' trustee shall succeed to all the title power and duties conferred upon Trustee herein and by Applicable Law '. Only the Lender can remove the Trustee. No such document was filed in XXXX XXXX North Carolina giving Trustee Service XXXX XXXX XXXX XXXX XXXX the right to foreclose or transfer title or ownership to complainant property. 
Before going out of Business for over a XXXX count of mortgage fraud, XXXX XXXX XXXX did not file any such document in public record stating that they have remove XXXX XXXX as trustee so by law XXXX XXXX  remains Complainant Trustee. see attached.
Product: Mortgage

We applied for a refi through wellsfargo because they sent us a special invitation to apply on XX/XX/XXXX. The whole process was extremely slow ( until XX/XX/XXXX ), our loan team wasn't helpful and didn't know what was needed and most importantly the Underwriter took sometimes a week to review our application for one document. We were asked for an extreme amount of documents, underwriting didnt create task about needed documents/clarification for a credit dispute on credit report, everything was against my husband who disclosed is a minority business owner. We were told if we fixed the credit dispute then we would be approved, after we repulled credit 2nd time ( we allowed due to this misinformation and now have a 2nd hard pull affecting our credit for no reason ) then were denied on XX/XX/XXXX because of the credit dispute we fixed, it says late payment but it was the XXXX case that we paid and had on our loan application when we got approved for our inital mortage through wellsfargo last year ( XX/XX/XXXX ) so it wasnt a valid reason ( at first because no one could tell me why we were denied ( no one called or communicated, I found out by logging into my account ) and the denial letter came with that reason even though we fixed it and were supposedly good ). Then they said it was because my husband 's credit score was XXXX and the cut off was XXXX ( I explained that because he is an immagrant he doesn't have as long of a credit history as someone who was born here and due to them taking 3 months to get to this point the first mortgage hard credit pull already affected his credit unfairly ), then they said it was because my husband has legal action being taken against him like foreclosure or repossession but when we asked what account no one could tell us. My husband called all 3 credit bureaus and everyone said there was nothing. He paid for credit reports and there is nothing. When requested the credit report showing this from wellsfargo mortage team, they wouldn't give it to me. Also, they only used this reason after the fact, and when we dispusted the other reasons. There was no task, communication from the loan team or task from underwriting about this legal action until I called several times trying to get a reason for the denial. Our time, and credit were affected due to the actions of wellsfargo loan and Underwriting team. Everything in this process was strange and illogical, especially because we were refinancing our loan for the same loan term ( not extending it ), for the amount we still owed ( not taking equity ) and to pay {$400.00} less a month. They denied us to pay less money when we proved for over a year we could pay our mortage and on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 4 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 1. This account resulted due to identity theft. XXXX  XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat THIS item IS being reported correctly? Who verified THIS item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please correct the item, or inaccurate information, from my file immediately & send me the results to the address. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, XXXX XXXX XXXX, AND XXXX XXXX XXXX purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am in natural person which means my name in ALL CAPS NOT ME. MY NAME IS XXXX XXXX. 15 USC1692 ( A ) ( 1 ) The term Bureau means the bureau of consumer financial protection, XXXX, Equifax, invoice, and XXXX are assumed to be credit bureaus and there is only one Bureau in that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR 192 to suspend the gold standard in to abrogate the gold clause. This resolution declared that whereas in the holding or dealing and gold affect The public interest, and therefore subject to proper regulation and restriction and whereas the existing emergency has just closed that provisions of obligations which purport to give the obligate the right to require payment in gold or a particular kind of coin or currency Are inconsistent with a declared policy of Congress In the payment of deaths. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount of money policy and Every obligation here to four or here after and cured, shall be discharged upon payment, a dollar for dollar, and any coins or currency which at the time of payment is legal tender for public and private debts. 15 US C1681 ( 3 ) ( XXXX ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have acknowledged concerning any such items of information. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company written consent to report this alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been allowing collections agencies to report the same debt multiple times per month.
Product: Debt collection

This company XXXX XXXX XXXX is trying to collect {$16000.00} from me for a bill they claim I owe. They purchased this debt from XXXX XXXX with whom I have already contacted and they removed the item from my credit report. 

XXXX XXXX XXXX is now trying to collect {$16000.00} for a car that BRIDGECREST FINANCIAL sold at auction 5 years ago.BRIDGECREST FINANCIAL DELETED THIS ITEM FROM MY CREDIT REPORT and now XXXX XXXX XXXX is trying to collect a debt on a car which I no longer own and for which the account has long been settled between myself and the original creditor I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from XXXX XXXX XXXX  with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX  '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed one bankruptcy in my file. This does not belong to me.