23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Loan officer XXXX XXXX of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Nevada XXXX ) and acting as Mortage Broker for XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ) performing Escrow loans on my property without my knowledge or consent with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX ) using myas well as my wife 's identity/property fraudulently in XX/XX/XXXX & XX/XX/XXXX. 

XXXX XXXX and his wife XXXX XXXX XXXX obtained 2 wire transfers into a fraudulent WAMU account using my wife 's identity to withdraw the funds in XX/XX/XXXX ( Wire transfer for {$27000.00} ) & XX/XX/XXXX ( Wire Transfer for {$34000.00} ) using a fraudulent account set up in XXXX, Nevada. From this account, The XXXX 's paid our Mortgage & Utilities to qualify for other loans & multi state modifications on our property. A line of credit was also obtained using my wife 's identity by XXXX XXXX XXXX for {$430000.00} with Chase bank.I also received IRS bill ( s ) for the sale of my home but was able to prove that I still resided at my residence prior to obtaining proof of fraud. 

The wire transfer receipt shows funds from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Ca XXXX ) and XXXX XXXX XXXX. The Notary was XXXX XXXX who's name was associated with 4 Fraudulent Deeds including 1 from Nevada. In statements obtained by  XXXX Police Department Det. XXXX XXXX ( Case # XXXX ), XXXX XXXX did not turn in her Notary book to the State of California nor could she identitfy me or my wife in a photo line up! She also stated that these documents were forged and her Notary stamp as well as book were taken by XXXX XXXX who was her co-worker prior to moving to XXXX XXXX, Nevada to open XXXX XXXX XXXX.It is illegal for a California Notary to perform acts on Nevada tansactions/documents! We did not receive any proceeds from these fraudulent transactions and contacted the Nevada Division of Insurance ( Case # XXXX XXXX ) to look further into this matter to discover WAMU had closed the above listed branch. As of today 's date XX/XX/XXXX, no litigation has commenced in this matter.
Product: Debt collection

I received letter dated XX/XX/year>, from " S.B.S Lien Services '' demanding delinquent assessments through XX/XX/year> in the amount of {$2100.00} for " XXXX XXXX XXXX XXXX '' which I belong to. 
I informed the " S.B.S Lien Services '' in writing, phone call and email that this number is incorrect and requested current, detailed and accurate statement. On XX/XX/year>, I was provided with detailed notice for amount of {$2000.00} which again included non-delinquent and incorrect charges, and I attempted to dispute them. 
Specifically, the non-delinquent amount was for monthly assessment of {$420.00} which was already paid on XX/XX/year> ( with proof attached ). 
Secondly, I asked for explanation and proof of assessment item with amount of {$380.00} since there was never any Assessment in this amount in our HOA, which I never received it. 
The only correct delinquent Assessments included in the statement are XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership name XXXX XXXX  and XXXX XXXX XXXX they agreed to rum my credit one time when i left the dealership i found out the was running my credit behind my back alot of times.
Product: Money transfer, virtual currency, or money service

A person by the name of XXXX said hed help me get a cheaper plane ticket because he had discounted prices to them. After I sent him {$270.00} for my ticket on XX/XX/18 at XXXX XXXX. He proceeded to book the flight but it did not go through due to a payment issue on his account. I notified him and he said hes try again. 3 days later I got fed up with reminding him to buy my plane ticket again. I told him to send my money back on XX/XX/18 and thats when he blocked me on all social media and my phone number too.
Product: Mortgage

I have a 15 year balloon-type mortgage on our home to which I would like to send self-directed biweekly payments electronically in order to pay my mortgage down more quickly than monthly payments. On advice of my CPA, I have always paid my mortgages on a biweekly basis on advice of my CPA. The banks to which I paid never refused to apply my payments on a biweekly basis. 
Wells Fargo states they informed us not prior to the day of closing that they DO NOT apply to principle anything less than 1 month 's full payment amount. Had I known this, I would NOT have proceeded with the Wells Fargo mortgage application in the first place. 

On XX/XX/XXXX, I received information which I have enclosed about an automatic payment program which can be set up either weekly, biweekly, or monthly. The purported benefit is that they in turn apply that extra 1 month payment yearly to your principle in order to pay it down quickly. In the print it states that they do not apply anything less than 1 month 's payment amount. So then, what is the benefit than to the consumer if they simply withdraw your funds either weekly or biweekly only to hold it in some escrow account until 1 month 's payment amount is accumulated? It is trickery on their part to disguise this payment plan as true biweekly amortization. It is not at all. I initially signed up for the automatic payment program until I re-read their document stating this sham of a biweekly payment policy. 
I have asked them on multiple occasions over the phone and in person at their XXXX branch as to why they refuse to apply my funds every two weeks. Their response is that they are unable to. This is not likely true. I can send in a credit card payment to my credit card company any number of times a month and it is applied to the principle. 
I could not back out of this loan at the day of closing, when it was disclosed to us that they do not apply any payment less than the full payment amount to my principle. We certainly could not back out on the closing at that point without getting into a legal entanglement with the sellers. 
I have my closing papers which are 26 pages long but can not upload them here. I can mail a copy via USPS if requested.
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a significant amount of {$950.00}. This is an outrageous and horrendous amount since I don't owe them that much. I called them and a representative told me this onXXXX. I believe this is coercion because they have also threaten to sue me for the deceptive amount via mail. They have also attempted numerous of times in unwanted times of the day to call me in attempt to collect this fraudulent amount of debt. I believe this is in direct violation to the Fair Credit Reporting Act because of inaccurate amount and the huge count of unsolicited calls made to my personal phone line by this collection agency. They also fail to report the collection to the three major credit bureaus when this account got sold into collections back in XX/XX/2020. This is more than the 90 day period it takes for it be reported as collections.
Product: Debt collection

XXXX XXXX  SENT MY ACCOUNT TO COLLECTION FOR EQUIPMENT THAT WAS RETURNED BACK TO XXXX XXXX BUT NEVER GOT BACK WITH THE COLLECTION AGENCY TO REMOVE THE ACCOUNT OUT OF COLLECTION
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On  X/XX/17    I submitted a complaint CFPB #  XXXX  in which I disputed the validity of the debt with the original creditor  XXXX   XXXX .  XXXX   XXXX  failed to respond within 30 days and per federal regulations all attempts to collect on this debt must cease and desist. The item associated with this debt I do not owe is showing on my  XXXX  and  XXXX  credit reports. Please immediately delete this item related to  XXXX   XXXX  from my credit repo rt ( s ). T hank you for your attention to this urgent matter.
Product: Credit card or prepaid card

I did not purchase Air line tickets from XXXX XXXX XXXX XXXX a phony travel agency for {$580.00}. 

My US BANK Account ending XXXX was charged. I disputed it with U.S. Bank see attached XX/XX/2021 document. 

In a boiler plate letter dated XX/XX/2021 from US Bank stating that " After reviewing the information that has been supplied, we have determined that we are unable to assist you in resolving your dispute. 
Unfortunately, you did not cancel the merchandise prior to the date of the transaction. '' My dispute had nothing to do with merchandise. The dispute was based upon a fraudulent air line ticket charge to my U.S. Bank Card ending XXXX. I did not order the airline tickets for {$580.00}.
Product: Mortgage

PennyMac misappropriated the entirety of multiple payments as " Principal Reduction '' as opposed to " Payment '' and then proceeded to charge a series of late fees. When attention was raised PennyMac agreed to withdraw only the most recent late fee.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the Equifax data breach and its subsequent negative impact on my credit score at all three credit bureaus. I believe this incident constitutes a serious violation of consumer protection laws and regulations ( Privacy Act of 1974, Fair Credit Reporting Act, and Gramm-Leach-Bliley Act ) I received notification that my personal information was compromised in the Equifax data breach I have experienced significant difficulties in maintaining a healthy credit score. I have recently discovered that my credit score has been adversely affected across all three major credit bureaus ( Equifax, XXXX, and XXXX ). 

As a result of this breach and the subsequent damage to my credit, I have encountered ( financial hardships, such as difficulty obtaining loans, higher interest rates, etc )
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 XXXX 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: 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 U.S.C 1681. 

Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Bank Account # XXXX Account name : XXXX Bank Account # XXXX Account name : XXXX XXXX  XXXX Account # XXXX Account name : THE XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Experian closed another complaint without addressing the issue and giving explanations that are absurd and criminal once again experian stole NOW 18 months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureau to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}
Product: Credit card

XX/XX/2014 my sears credit card had a balance. On the day payment was due, I received a text as a reminder. The following day I called sears to pay the full amount due, as well as confirm that there would n't be a negative impact on my credit report. The woman I spoke to told me that there was a 30 day grace period, which I was well within, and that if I had been late past that period, that they have a " one time '' late payment forgiveness. At the end of the conversation I confirmed there were not late fees assessed, and she said that it would n't show up on my credit because it had n't been reported as a late payment. Since then I have pulled my credit report for 2 years in a row and it has been reported as a late payment. I have submitted multiple disputes with the credit bureau 's which come back as updated, however when reviewing the dispute results the negative information remains unchanged.
Product: Vehicle loan or lease

After starting a new job in the beginning of XX/XX/XXXX, I changed my bank account with Honda Financial Services. Unfortunately, they still charged my old account which did not have the funds, which led to a reversal of funds and a requirement to pay my lease through the mail. I mailed a payment and on XX/XX/XXXX I spoke to a representative from Honda Financial Services who said my payment was missing. I said " I mailed a payment '' and he said " yes, we have that. '' I said " is that all? I'm busy at work. '' he said " yes. '' and we hung up the phone. 

Assuming the payment was received and cleared, I received a phone call on XX/XX/XXXX stating my account was past due. On that phone call, they said they did not receive my XX/XX/XXXX Payment. I told the representative that I spoke to someone not two weeks before that said my payment was received. He said " it wasn't. '' On that phone call, I paid both months and scheduled my next payment. In four years, I never missed a payment and it's clear that this was a miscommunication. 

I called Honda Financial Services and they would not adjust the payment dates. Again, I have never missed a payment on any of my credit cards or loans. Had I known on XX/XX/XXXX that my payment was not received, I would have paid it right then just like I did on XX/XX/XXXX. This was not a matter of not having the funds, or, being a negligent customer ; this is a matter of miscommunication and I would appreciate if this payment was recorded correctly.
Product: Debt collection

My Ex-husbands Health Insurance paid the portion allowed as per the CPT codes for payment. Thery are billing me for their price. There is no need for extra payment if they were paid by the health insurance!! I had my Attorney send a letter in XXXX of 2014 with no response as well. I will refuse to pay these teo bills!
Product: Student loan

Dear Consumer Financial Protection Bureau, Since XX/XX/2019, I have made 5 payments to my FedLoan XXXX loans : XX/XX/2019: payment of {$140.00} made and confirmed by FedLoan email. 
XXXX XXXX XX/XX/2019 : payment of {$2800.00} made and confirmed by FedLoan email. 
XXXX XXXX XX/XX/2019 : payment of {$140.00} made and confirmed by FedLoan email. 
XXXX XXXX XX/XX/2019 : payment of {$140.00} made and confirmed by FedLoan email. 

However, these payments totaling {$3200.00} have not been reported to any of the 3 national credit reporting agencies, and is negatively impacting my scores. 

The misreporting of my FedLoan student balances to the credit agencies continues for years to be a significant recurring issue impacting my scores, finances, and family. 

Please help. Many thanks for your time and extraordinary wok. 

Respectfully, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes with TransUnion, XXXX, and XXXX regarding incorrect information on my credit report. Despite these efforts, the errors remain unresolved, and no sufficient action has been taken by the credit bureaus.

Dispute Reasons & Violations : Failure to Verify Information ( 15 USC 1681i ( a ) ( 1 ) ) : The credit bureaus have not adequately verified the disputed information within the required 30-day period, leaving inaccurate data on my credit report.

Failure to Ensure Maximum Accuracy ( 15 USC 1681e ( b ) ) : The information being reported is not the most accurate, and the bureaus have failed to take necessary steps to ensure correctness.

Failure to Remove Outdated Information ( 15 USC 1681c ( a ) ( 5 ) ) : The credit bureaus have failed to remove outdated information from my report, which should have been excluded after the statutory period.
Product: Credit reporting or other personal consumer reports

the date of the delinquency that you have does not match the date that i have under 15usc1681 be you must provide maximum possibble accuracy and im taking into consideration that the cfpb is suing as well, im also requesting full disclosure of the cmi of my profile
Product: Credit reporting, credit repair services, 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. 
U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX 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 or other personal consumer reports

Equifax consumer XXXX has taken access from my credit file. They deleted my online account from my.equifax.com and now not allowing me to create a new online account. Since XX/XX/year>. Today is XX/XX/year>. 
They asked me to send documents to verify my identity and I have sent that on XX/XX/year> and XX/XX/year> .... But they didn't solve my problem. 
Please give me access to my account online to my.equifax.com
Product: Credit reporting or other personal consumer reports

Good morning! After reviewing my credit report for the past year, I noticed that there's repeat cases of late payments on an account that I have always maintained timely payments on. Consumer reporting Agencies play a vital role in accurately reporting consumer information. This information must be reported with utmost accuracy. I've always maintained my payments for the following account [ XXXX XXXX ] [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. if unable to provide such proof, I demand that these payments be promptly updated to their true status as on-time, as I have consistently upheld my payment obligations without delay. 

This account was also settled in a divorce agreement and legally no longer has anything to do with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX  XXXX Liability : {$0.00} XX/XX/XXXX XXXX  XXXX XXXX Liability : {$0.00} XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX