23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We XXXX have attempted XXXX Mortgage Modifications with Wells Fargo. We have been lied to, tricked, cheated etc ... The XXXX application was approved, our monthly payment was increased and we were promised XXXX, that 's a disgrace. XXXX Mortgage Modification attempt we were denied because we were current on our payments. As soon as we applied for this XXXX Modification Wells Fargo placed a For Sale sign in front of our home. We applied for the Modification because we were in danger of default, this is XXXX of the reasons to apply for a modification. XXXX Mortgage Modification, Wells Fargo requested document after document and then Foreclosed on us while in Modification. We saved our home with an emergency Bankruptcy which stopped the sale 5 minutes before it was to begin. The XXXX Mortgage Modification attempt we were denied, Wells Fargo added over XXXX in imaginary income. Then said we did not qualify because of our income. 1 year later Wells Fargo said that they made a mistake on our income but they never rectified it. We then sought the assistance of Keep Your Home California. They instructed us to call Wells Fargo for Modification and Principal reduction documents to fill out. The representative of Wells Fargo started yelling at me, yelling that Wells Fargo was not going to send me any such applications. Keep Your Home California instructed us that we could do this later. Wells Fargo received XXXX from Keep your Home. We understand that a Bank can charge a small fee for a Modification, but Wells Fargo paid themselves XXXX for administration fees, they stole XXXX from the Federal Government and from us, in this usual trick of theirs. Wells Fargo called the help Keep Your Home California gave us a Modification. According to Keep Your Home it was not a Modification and that now I can apply for the Principal Reduction and Modification. Wells Fargo is now in the process of selling our Loan to another Bank. They approved sending us the documents for Principal reduction and Home Modification we requested but reneged on us saying to ask for this Principal reduction and Modification from the future new Mortgage Holder. Wells Fargo has caused us to suffer a great deal with worrying, despairing, sleepless nights etc ... We are XXXX years old and Wells Fargo has not shown one iota of cooperation. If anything the total opposite. We can bear their injustice no more. One last thing, Wells Fargo forced us to pay twice for the month of XXXX, 2014.
Product: Credit reporting or other personal consumer reports

Equifax is reporting child support on my credit profile when it is illegal to report child support, I have asked them to delete it but they have not given me a response.. I have asked them multiple times.
Product: Credit reporting or other personal consumer reports

I have disputed the accounts shown in my attached spreadsheet multiple times with XXXX, Equifax, and XXXX, most recently through online dispute in XX/XX/year> and then by mail XX/XX/year>. I requested proof of any late payments as well as verification of information on these accounts. I also requested that these erroneous accounts be deleted from my report if the errors were not fixed. I was never provided proof and the errors on my credit report were never fixed as a result of my disputes. Each of the XXXX credit bureaus claim that they have completed a reasonable investigation, but these accounts are still being reported inaccurately on my credit profile, which is hurting my credit and shows their improper investigation into all of these disputes -- if the information was in fact verified as they claim, it would not be being reported differently by each credit bureau. I do not understand why they claim to have completed an investigation, and yet different dates of last activity AND different payment history is being reported by each bureau for each of these accounts. I believe the different dates of last activity indicates the illegal re-aging of the dates last active. My rights are being violated under FCRA. These inaccuracies accounts are hurting my credit and defaming my character, violating 15 USC 1681. 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The discrepancies in the reported " date of last activity '' and payment history across different credit reports are inaccurate and violate FCRA Sections 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), and 623 ( a ) ( 8 ). Additionally, the collection accounts shown one of the files I've attached are illegal -- the 2 collection agencies shown are not licensed to collect for my state ; I submitted proof of this to all XXXX credit bureaus when I disputed the accounts ( attached screenshot showing the states they are listed to collect for and Maine is not listed ). XXXX removed them, XXXX and Equifax refused to.
Product: Credit reporting or other personal consumer reports

I have an account from XXXX XXXX XXXX XXXX  showing charged off. The account was paid in full. I currently have service with XXXXXXXX XXXX. I called they and said they would remove it. After some time I called again and they told me to file a dispute with credit bureau which I have done. How can an account be paid in full and charged off. My credit is perfect other than this XXXX XXXX XXXX XXXX that should not be on my report. Please help me and have them remove this item. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple Hard Inquiries dragging down my credit score from this company XXXX XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018
Product: Credit card

I PAID MY BILL IN FULL VIA XXXX ON BOTH MY CAPITAL ONE BANK CREDIT CARD AND I SEND SPECIFIC WRITTEN INSTRUCTION BOTH TO THE CFO XXXX XXXX XXXX AND XXXX XXXX XXXX BOTH OF THEM IGNORE MY REQUEST AND REFUSE TO RETURN MY SECURTIES, AND THEY CLOSED MY ACCOUNT WITHOUT PROVIDING A VALID EXPLAINTION, IF THE CFPB WON, T HELP I WILL HAVE TO GET THE securities and exchange commission INVOLVE OVER THE YEAR CAPITAL ONE BANK HAVE MULTIPLE SEC LAWSUIT WHICH IS A CLEAR SIGNED OF DISCEPTIVE BUSINESS PRACTICES
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent removal of the account and credit inquiries listed below from my credit report. I am a victim of identity theft due to a data breach, and these items were fraudulently added to my credit file without my authorization. This request is made under the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ), and FCRA 605 ( b ). 
Fraudulent Account : 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 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: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : Account XXXX Dear Credit Bureau, I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence by writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. 

Letter of sale or assignment from the original creditor to your company. 
( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 

I look forward to a speedy resolution of this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I do not recognize this debt. You have no right to put this false information on my credit report as a collection. I want it to be disputed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXXXXXX Balance : {$760.00}
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. 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 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 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

I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Checking or savings account

On XX/XX/year>, I discovered that my mobile phone was compromised, and I was unable to make calls or send text messages. Upon contacting my mobile service provider XXXX, I was informed that my account was hacked, and my phone number was used in a fraudulent transaction. 

After contacting my Wells Fargo bank, I found that a total of {$2200.00} was withdrawn from my account. While the bank was able to reverse most transactions, they have refused to return the {$2200.00} that was transferred via a service called XXXX, which I have never used or heard of before. The bank has cited that the transaction was made through a secure device and, therefore, can not be reversed. 

I am deeply concerned about this situation as I have never authorized such transactions and am not familiar with the service used. I kindly request your assistance in investigating this matter and advising me on the necessary steps to take to resolve this issue. 

Thank you for your prompt attention to this matter.
Product: Student loan

XXXX  account doesn't match other credit reports. Asked for investigation and it has taken longer than 30 days to provide original documents proving debt or anything owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DISPUTE I AM WRITING THIS LETTER TO GIVE NOTICE OF DISPUTE AND TO DENY ANY AND ALL DEBT XXXX XXXXXX/XX/XXXX, LXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i HAVE SENT THEM CEASE & DESIST LETTER AFTER THEY FAILED TO VALIDATE THE ALLEGED DEBT
Product: Checking or savings account

We use Santander Bank- This complaint is with Santander Bank On XX/XX/XXXX we issued check # XXXX to a vendor in the amount of {$40000.00} On XX/XX/XXXX check # XXXX cleared our bank in the amount of {$11000.00} - We did not issue this check- This was a fraudulent transaction - Santander made us whole for this Fraudulent transaction - On XX/XX/XXXX check # XXXX cleared our bank in the amount of {$40000.00} - We did not issue this check- This was a fraudulent transaction - Santander made us whole for this Fraudulent transaction on XX/XX/XXXX. We filed a police Report for this theft. 

On XX/XX/XXXX Santander revoked the transaction for {$40000.00} stating we did not complete a loss affidavit in a timely fashion. Our local branch gave us the affidavit on XX/XX/XXXX, with little or no time to complete it. 

Every time I call Santander to check on the case I am told it is still open and there is no timeline for resolution. 

As of XX/XX/XXXX, the funds still have not been returned to us as Santander fights with XXXX Bank over a hold harmless agreement.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the credit reporting agencies XXXX, TransUnion, and XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in handling my disputes regarding incorrect and inaccurate information on my credit reports. Despite my diligent efforts to resolve these issues, these agencies have persistently ignored my disputes and failed to remove the erroneous accounts in question. 

The accounts in dispute are as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX I have submitted multiple disputes to each of these credit reporting agencies, providing detailed explanations and supporting documentation demonstrating that these accounts are inaccurately reported and should be removed. However, my disputes have been repeatedly ignored, and the erroneous information remains on my credit reports. 

This non-compliance is a clear violation of the FCRA, which mandates that credit reporting agencies must conduct a reasonable investigation into consumer disputes and correct or delete any information found to be inaccurate or unverifiable. The failure of XXXX, TransUnion, and XXXX to adhere to these legal obligations has caused significant harm to my credit standing and financial well-being. 

I am requesting the CFPB 's immediate intervention to ensure that the credit reporting agencies comply with their statutory duties under the FCRA. Specifically, I urge the CFPB to : Investigate the handling of my disputes by XXXX, TransUnion, and XXXX. 
Ensure the prompt removal of the disputed accounts ( XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from my credit reports. 
Impose appropriate sanctions on the credit reporting agencies for their failure to comply with the FCRA. 
Provide a written response outlining the actions taken by the CFPB to address this matter. 
I trust that the CFPB will take this complaint seriously and act swiftly to rectify these violations. I am available to provide any additional information or documentation required to support this complaint. 

Thank you for your attention to this urgent matter.
Product: Vehicle loan or lease

I paid off my loan with XXXX XXXX XXXX on XXXX/XXXX/XXXX and requested on XXXX for the GAP insurance to be cancelled via email. They sent an email back requesting I fill out a form and return it, which I did the same day ( XXXX/XXXX/XXXX ). XXXX XXXX, an employee of XXXX XXXX XXXX, confirmed receipt of the requested document on XXXX/XXXX/XXXX. That same day I also sent the cancellation form to Santander and they confirmed it was cancelled on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I emailed them asking about my refund from the cancellation of the GAP insurance. They responded on XXXX saying the cancellation has been received and process and that I needed to follow up with the dealership to get my refund of {$800.00}. I have made numerous phone calls to XXXX XXXX XXXX asking about my refund and many times will tell me the person who handles is n't in that day and will call me back. I never receive a call back. I have again called today and was told they will call me tomorrow. On XXXX/XXXX/XXXX, when I initially called to cancel, they told me it would take XXXX weeks to receive my refund and have since not been given any reason why I have not received it in the quoted timeframe.
Product: Checking or savings account

New Chase checking customers open a Chase total checking account will bonus XXXX XXXX 

On XX/XX/XXXX, we went to the Chase branch to apply for a card and activated the checking account on XX/XX/XXXX. However, the bank staff who opened the card for us did not tell us that we could get a bonus of $ XXXX.We didn't get a bonus, but the activity was active when we opened the checking account. 

I also sent an email to the bank staff on XX/XX/XXXX, but he told me that the feedback was too late to get the bonus for me. 

Since the staff of Chase concealed the bonus activity, I could not get the bonus I deserve, so I hope to get help from the CFPB.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX
Product: Credit card

This statement addresses credit card disputes regarding Capital One XXXX XXXX XXXX. This account was established in 2009 in good standing for 14 years. In the past couple of months, fraud was reported and the account closed out. 

I have disputed this cancellation and re-application process both online and multiple calls to your customer service department. I have re-applied for XXXX XXXX XXXX but am repeatedly denied for an existing XXXX account, fraudulent application, and information provided does not match credit bureaus. I purchase from XXXX department store frequently, pay credit card on time each month, and was a XXXX Most Valued Customer for many years.
Product: Checking or savings account

XXXX charged my debit card without being authorized. I disputed the transaction with them and BB & T. My account was negative because of XXXX and BB & TS lack of crediting my account. BB & T then allowed XXXX to debit my account which clearly did not have the money and this was with my debit card the charge should have been denied due to lack of funds! Then BB $ T charged me a 36 dollar overdraft fee! This is appalling with everything going on now for this to be allowed!!! Thieves!!! 
overies for free XXXX Your cancellation is confirmed. 


CANCELLATION CONFIRMATION Your membership : XXXX. XXXX Membership Membership Expiration Date : XX/XX/2020 Confirmation number :
Product: Credit card

In 2019 {$860.00} was taken from a credit card extended by XXXX XXXXXXXX XXXX 
To which time I was XXXX in Federal prison making this an impossibility. 
Someone fraudulently used my personal information.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 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: Credit card or prepaid card

I HAVE ASKED 3 TIMES FOR AN INCREASE ON MY CAPITAL ONE CREDIT CARD # XXXX. ALL 3 TIMES WAS TOLD NO > DUE TO LOW BALANCE KEPT ON THE CURRENT LIMIT. I BEEN A LOAN OFFICER FOR OVER 22 YEARS. NEVER IN MY LIFE HEARD > SORRY WE CAN NOT INCREASE YOUR LIMIT DUE TO THE BALANCE YOU USE IS TOO LOW. UNDERWRITER APPS > TRUST ME CREDIT CARD USAGE UNDER 20 % IS A GREAT CREDIT FACTOR WE LOOK AT. LOW RISK AND RATIO LOW % ARE A POSITIVE FACTOR. SO WHAT!!!! IF I WANT A CREDIT CARD FOR $ XXXX OR HAVE A CREDIT CARD FOR $ XXXX AND KEEP OR DO NOT KEEP A BALANCE. PAYMENT HISTORY IN MY SINCE HAVING CREDIT 1995 I HAVE MAINTAIN AND PAID AS AGREED ACROSS THE LINE. SO WHAT IF IN WOULD LIKE TO INCREASE MY LIMITS ON ALL MY LINES AND CREDIT CARDS > IT MINE PERSONAL CREDIT HISTORY THAT I WOULD LIKE TO MAINTAIN AND KEEP UP. I USE THE CAPITAL ONE CARD IN XX/XX/XXXX FOR {$2000.00} AND PAID IT OFF IN 60 DAYS, BUT CAPITAL ONE CREDIT CARD NEVER COMPLAINT ABOUT THE {$40.00} FEE PLUS {$50.00} IN INTEREST THEY MADE IN 60 DAYS RIGHT???