23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

*PLEASE NOTE I OPENED 3 COMPLAINTS FOR THIS SAME THING ON XX/XX/2021 : # XXXX ; XXXX ; XXXX ; AND THE COMPLAINTS WERE CLOSED BECAUSE THE LETTER STATED S-OME OF THE INFORMATION PROVIDED SUGGUEST S THAT SOMEONE OTHER THAN MYSELF SUBMITTED THE COMPLAINT. I WOULD APPRECIATE IT THIS COMPLAINT WAS TAKEN SERIOUSLY! I HAVE TO NOW START ANOTHER COMPLAINT WHICH RE-STARTS THE CLOCK FOR THIS TO BE TAKEN CARE OF! XXXX On XX/XX/2021 I sent a letter to this credit reporting agency to have items removed from my credit report along with the list of laws that they violated. 
According to 16 USC 1681 ( a ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a credit report. And by definition according to Truth In Lending, Section 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.. By the Legal descriptions and and definitions, the items listed below should not be on my credit report. These accounts you have put on my report has ruined my reputation, and according to 15 USC 1692d ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person puts you in violation of the law. I demand this account be deleted immediately or I have to file litigation due to the stress and impact to my reputation I feel that these accounts are negatively affecting my credit report and costing me thousands of dollars in interest every year, this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP. I will not wait another 40 days to receive no response because clearly I am being ignored. I demand these accounts be deleted immediately or I will file for litigation. FCRA 611 ( 15 U.S.C. 1681I ) it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report it has been over 40 days so they should be deleted promptly.
Product: Checking or savings account

After pass few months of not being provided with my account monthly statement by Wells Fargo bank I complained on the branch I use to deposit and visit frequently. At that branch I received computer copy of my transactions non officials statements from the Wells Fargo headquarter which from time to time show different information from the statement provide by the branch at XXXX of XXXX XXXX. it has been the main reason because my claims or allegation some times are late, for instance in order to have the year XXXX and XXXX statements I had to call the bank too many times and finally ending the year XXXX I received copies of the three years on the branch. on XX/XX/XXXX I notice an unusual withdrawal, agree to the bank statement per an amount of {$5000.00}. since I have been auditing my Wells Fargo bank account and I found the fact that my account has been vulnerated from the year XXXX through the year XXXX for instance, in XXXX XXXX, XXXX the bank charged my account {$3200.00} for a withdrawal in branch store at XXXX XXXX XXXX. I rejected such a transaction. In XX/XX/XXXX my account was charge per an amount of {$5000.00}. I had rejected that charges on my account because I did not make those draft. I have contacted the bank for more than 30 charges the bank has made on my account since XXXX through XXXX. I had complained but the bank is not paying attention to my complaints, the personnel take some notes and the following day it send me a letter rejecting my claim the bank is mocking on my claims. I have the document which support my allegations and I am able to summit them to any investigation before an impartial governmental institution or regulators.
Product: Debt collection

Capital One has continued to sell an account to collection agencies after it was determined that the account was open due to identity theft. Capital One and the collection agency are appearing on my credit report for the same account. The account was deleted from my credit report and has now resurfaced.
Product: Debt collection

Received multiple calls within minutes of each other at XXXX ( I live in XXXX  because I'm in the XXXX  ) from COAST PROFESSIONAL INC. . I called back after almost ten minutes to inform them they were calling before XXXX XXXX  and that they're not legally allowed to do that. I am not the person they are attempting to get ahold of and they even released some information without verifying I was the person.
Product: Credit reporting or other personal consumer reports

It has come to my attention that your company is reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. 1681a ( f ), you are governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that its the responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. 1681 ( d ), to third parties. 
According to Federal Law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681, et seq., including but not limited to : 1 ) Follow Reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., Burke v. Experian info. Sols., Inc. , 2011 WL 1085874, at *4 ( E.D. Va Mar. 18, 2011 ) ( breaking down the requirements of 1681e ( b ), and explaining that assure means to make certain : put beyond all doubt, maximum means to the greatest quantity or highest degree attainable. 
2 ) Comply with the investigation requirements, as required by 15 U.S.C. 1681i ; For your convenience, provided below are a list of accounts that need to be removed as stated by the FCRA standards. These listed accounts have been investigated, not verified, and removed by Transunion XXXX XXXX. Please correct this by removal of these items from my consumer report so that my report reflects maximum accuracy. I have never given my written consent for these inaccurate items to be furnished on my private personal consumer report. Thank you. 
Upon competition of your adhering to my request, please send a detailed description of the procedures used to VERIFY the accuracy of the accounts/items I am disputing, as well as the name and contact information of the agent conducting the said investigation, incase further action/communication is necessary if you dont not adhere to my request. 
Please remove these accounts from my Consumer report so my report can show maximum accuracy : XXXX XXXX XXXX XXXX Please verify and validate & delete!!!! This account is reporting inaccurate information, incorrect balance, incorrect payment history, no open date, also reporting an increase in the balance and the account is written off, Please delete this account from credit file, it is severely impairing me from getting a mortgage and obtaining credit.
Product: Credit reporting or other personal consumer reports

My repeated efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report have been futile. These entries have severely disrupted my life, causing substantial stress and anxiety. As an identity theft victim, I must emphasize that I never authorized or consented to have this information linked to my name.
Product: Prepaid card

On XXXX XXXX, 2015 I placed money on my prepaid debt card to make a final payment to a pawn shop. This final payment was made to receive my merchandise on the same day. It was so unfortunate the company was given my card to make the final payment of {$190.00} and then I was told that I did not have the money on my card to make the payment. THIS WAS a lie! I had all documents to prove the amount I actually had on my account. The company argued with me that they never got paid my funds. Although I was able to show proof with my documents from my accounts. To this day XXXX XXXX, 2015 this situation has not been resolved. The PLS company district manager has been notified, and is aware of this situation as well as the XXXX Bank that processes prepaid transactions. 

The corporate office of the XXXX XXXX XXXX XXXX has been notified in their accounting department. The company has been in touch with me and they are stating to me their bank Never Received my payment. XXXX way conversations have been made with the district manager of PLS in the XXXX area, and the XXXX XXXX XXXX XXXX in XXXX XXXX is trying to get the money put back on my prepaid card, so I can receive my merchandise that belongs to me. 

The district manager at XXXX promised on XXXX XXXX, 2015 at XXXX pm it would take XXXX hours for their team to do the investigation. I have not heard from this woman nor her investigation team. I have gotten the run around from XXXX parties. I have tried reporting to the police department, only to be told that this is a civil matter. Please notify me on what I should do next in this bizarre situation. I want what is due me XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers 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 611 - 15 U.S.C. 1681i 59 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. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXXXXXX XXXX  ACCOUNT NUMBER XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION.
Product: Mortgage

We have {$450.00} of late fees on our account that are not valid. I have tried for over a month to resolve this issue but NO ONE will respond to me. I called customer service, they said it needed to be in writing, so I have sent XXXX emails with no response. I have google searched loan officers, sent XXXX emails ( they stated someone would call, no call has come ). I found someone on XXXX, again no response. I have provided documentation on the fact that the late fees are bogus and we have not had any late payments since XXXX of 2016. In XXXX of 2016 we received a foreclosure notice because apparently I missed paying the cents on our bill, instead of paying the {$1200.00} and some change, I only paid the {$1200.00}. I spoke with a gal and she stated I needed to pay {$150.00} and some change to get caught up with late fees, which I paid with our XXXX payment, but separately. Since then NONE of my payments have been late. Therefore I do not owe any additional late fees. I provided a list of my payments to Freedom Mortgage noting that none of them were late since I got caught up in XXXX. Their refusal to contact me only confirms that the late fees are not valid.
Product: Debt collection

Credence Resource Management LLC are debt collectors demanding a debt on behalf of XXXX XXXX XXXX I have not received any goods or services from Credence Resource Management LLC, and I do not know how Credence Resource Management LLC received my private information. 
Upon checking my credit reports Credence Resource Management LLC flagged my credit on XX/XX/2022 with unverified collection activity. Credence Resource Management LLC did not honorably submit their demand for funds through the US Postal service to allow me to properly dispute their claim of {$100.00} owed to them. I did not authorize Credence Resource Management LLC to use my email address or social security number to damage my credit files. 
Credence Resource Management LLC do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Credence Resource Management LLC . 
I am not a party to any agreements that Credence Resource Management LLC may or may not have with XXXX XXXX XXXX I am not responsible for Credence Resource Management LLCs purchase / transfer from XXXX XXXX XXXX I have not agreed to pay/tender anything to Credence Resource Management LLC . 
Credence Resource Management LLCs reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither Credence Resource Management LLC or XXXX XXXX XXXX are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX}
Product: Checking or savings account

I initiated a bank transfer of {$10.00} from my checking to Venmo who has a written policy of a 1-3 business day transfer time. I initiated the transfer on XX/XX/XXXX around XXXX. The deposit should have been available on XX/XX/XXXX per the written statement of a 1-3 business day deposit. Venmo now states the deposit wont be in my account until XX/XX/XXXX which would be 5 business days not 1-3.
Product: Mortgage

Nationstar/ Mr. Cooper did a loan modification & they added thousands & thousands on to my mortgage they mishandled my modification then put on my credit report I missing payments not true & sold my loan to XXXX XXXX for more then I owe. Still has much on my home loan as I did when I first bought the home in 2006??
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$50000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This was removed but since the credit report against want to blame the credit card company and say I had more XXXX acount from XXXX XXXX XXXX show me so this help the other investigation.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent letters regarding inaccurate and unknown things on my credit report. To this day over 90 days ago, I have not received a response back. I feel like I am being taken advantage of and that I'm not being taken seriously. XXXX ( a ) states that failure to investigate these items from within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach. and may have gotten into the hands of the wrong person.
Product: Mortgage

I fall behind on my payment do to corvid 19 I lose my extra income. because stay home. and they ad some fee over {$10.00} during pandemic but now I want to make a payment regular monthly, its very hard the amount they ask me to pay. and I really don't understand what they adding, i have no knowledge at all abut my home lawn. please help me to save my home .they not contact me at all. I really don't know what to do.
Product: Checking or savings account

I am filing this complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other income by deposits. Capital One has cited technical issues, which violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance investigating this matter to ensure my rights have been upheld. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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 XXXX XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$1400.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX have been informed of my identity theft victim status, and documents have been submitted to them multiple times. However, they continue to report unauthorized inquiries on my consumer report. I have not approved any inquiries that do not correspond to an open account on my credit report. Additionally, XXXX disputed these findings and provided results on the same day, which seems implausible given the volume of inquiries that appeared simultaneously. These fraudulent inquiries must be promptly removed.
Product: Mortgage

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX RE : Request of support and mediation with Specialized Loan Servicing to avoid the foreclosure of my home Complaint # XXXX XXXX XXXX, Loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX VA XXXX To Whom it May Concern : Regarding my Complaint # XXXX, attached, I am sending copies of the Qualified Written Requests I sent to Specialized Loan Servicing and XXXX XXXX XXXX XXXX XXXX XXXX as Indenture Trustee for XXXX, asking for information to verify if the investor and servicer complied with the following rules from XXXX to XXXX : TILA transfer of loan ownership notices. Effective in XXXX, provisions of Regulation Z require that new owners or assignees of mortgage loans inform borrowers of a transfer of loan ownership within thirty days after a loan is sold. 
RESPA notice of transfer of mortgage servicing rights. A transfer of servicing rights for a second mortgage triggers obligations under RESPA for both the transferor servicer and the transferee servicer to provide timely notice to the borrower. 
The TILA periodic statement requirements. 

I requested this information in XX/XX/XXXX, and the servicer did not send it to me because " S.L.S. could not respond to the request within required time limits or respond without incurring a cost. '' I think this information is crucial to my case to demonstrate that the investors deliberately stopped communicating with me because, after the housing crisis in XXXX, my property was underwater. The investors of this second loan were almost sure to obtain nothing if they decided to foreclose. Also, it is essential to mention that this loan was part of an " XXXX XXXX mortgage '' originated by a predatory lender right before the housing crisis. 

I would appreciate it if my case remains open until we receive a satisfactory answer from my XXXX or XXXX. 

Best regards, XXXX XXXX XXXX XXXX XXXX. XXXX VA XXXX Phone number XXXX
Product: Debt collection

I got a loan from Coast 2 Coast in XXXX of 2019 and XXXX came so it was hard to keep up with payments. They contacted my family and mutual people I know. The amount isnt correct and they sent my account to collections. I had no knowledge of this
Product: Credit reporting or other personal consumer reports

I have hard inquires that I did not authorize and I want it removed pronto, I sent multiple letter to correct this on XX/XX/year> and on XX/XX/year>. XXXX XXXX XX/XX/year>, XXXX XXXX NA XX/XX/year>