23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX a monthly mortgage payment in the amount of {$490.00} was received, but instead of being applied to a monthly payment it was applied to principle payment. I had to call to have the payment moved to a monthly payment, which now shows held in suspense, they state the payment was applied to a monthly payment, no where on my portal does it show that it was ever applied to a monthly payment. Again on XXXX the same thing occurred, my monthly payment was applied as a principle payment. I spoke with a supervisor on XXXX at XXXX and he had asked how I pay. I stated by check and on the check I specifically state monthly payment only, I also included a letter the 2nd time around stating that this is not to be applied to the principle. The supervisor stated well they just bundle to the checks, they don't even look at the checks. They stated that they will have the payment moved. When asking if I have to call and deal with this every month, they refused to answer. So far nothing has been resolved. This has to do with Freedom Mortgage Corp.
Product: Credit reporting, credit repair services, or other personal consumer reports

The claimant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ***Legal Notice & - Complaint- XX/XX/2019 - - Wells Fargo Bank/Wells Fargo/To whom this legal notice and complaint concerns : - - - - Today is XX/XX/2019 This is a final notice demanding from Wells Fargo and any company that has a name of Wells Fargo in its business legal name and operates in the United States and also a legal Notice to its decision makers ( involved in invading my rights to privacy and peace continuously in addition to violating many other laws and against me ) to please comply to law and that you are commanded now by law to : - -immediately stop your interfering in any of my personal credit reports or files with any credit bureau. 
To stop your invasion against my privacy. -To stop your falsifications and misleading interferences against my financial records. To stop your blackmailing against me. To stop your continuous harassments against me. -to cease from any of your recorded intimidations and threats you made against me .To stop your illegal interfering against my credit reports since Currently You dont have any open credit or deposit account that I authorized ever you and at any time and to open it and on my own will and not by your own intervention against my will to cover up your other violations you did at any time and against me and/or the public and/or consumers - -Who are you that you think you can force me to submit to your own illusive will? Any of your usual criminal threats and activities against me would cost you more serious legal consequences and you would be prosecuted in a criminal case too. 
- - You have no business need to know and neither any type of my consent now and to interfere or change or do anything with my information within any credit bureau. 

_____________ You must not alter, destruct or delete or get rid of any information related to my person and that you stored in any form and it is all evidences and you are noticed of all the above and not to destruct evidences and you must comply and this was a final notice .- - Currently, there are legal case/s against you. - - - Therefore, you must stop your blackmailing and interference into my private personal credit reports within any credit bureau and at any time and secondarily you must also comply and preserve all evidences as directed above. 
- Sincerely, -. 
_______The claimant ._______ -XX/XX/2019 - - - *** without waiving my rights, all stated herein is subject to any correction or anything at any time and by my person or my representative and without notice and all herein is to my current states belief, knowledge and understanding. 
XXXX receipt of this complaint is your consent to immediately comply to all the above legal notice - - - XX/XX/2019. I reserve all my rights.-
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was shocked to discover numerous errors in the reporting. It's baffling to me why this company is reporting this account on my credit file. I have always maintained timely payments and have never been delinquent. Upon contacting them, I was advised to dispute the matter with you.Specifically, I noticed discrepancies related to the following account : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity thief and the XXXX XXXX XXXX ( XXXX ) and First progress ( XXXX ) on my credit report is not mine. Kindly remove it from my report as it inaccurately affects my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted several Disputes regarding the Bankruptcy on my credit report specifically with Experian as they are the only ones still reporting this. First date XX/XX/XXXX, XX/XX/XXXX. As the consumer please share how they received this information. They instructed me that the bankruptcy confirmed this information which turned out to be false. I provided documentation from the bankruptcy court they have at verified any information to anyone. next I'm directed to XXXX which I wrote a letter to asking the same questions as above. Experian updated my dispute stating XXXX is reviewing, MEANWHILE I receive a letter from XXXX stating I need to submit my ID for them to review my case. Now why would I need to submit my photo ID for my dispute. There is a lot of under the table things happening. As the Consumer I'm asking to be provided something that shows this is truly my item.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged 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 XXXXXXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America agreed to remove this false information of my account and I have proof so please delete this
Product: Vehicle loan or lease

I am experiencing financial hardship. Auto lender is Wells Fargo Auto Loan. My vehicle was repossessed on XX/XX/year>. I have been making regular payments except for one recent month due to a financial emergency. Misplaced payment has been added to my principal amount from huge late fees and interest, causing me to be wrongfully XXXX days past due. My lender repossessed my car without prior notice and is demanding {$3200.00} to reinstate it. I need the vehicle to return to work, but theyre not offering a hardship plan or payment options. I was willing to set up a partial initial deposit hardship payment plan, but they said there is no option for that, and I have to pay the full balance, which includes huge late fees and interest. I would like for vehicle to be reinstated as this is the only source of income due to the job economy now being tough and job losses.
Product: Credit reporting or other personal consumer reports

i recently pulled my consumer report from experian, XXXX, XXXX. When i noticed so unauthorized inquiries on my credit report. these inquiries and charge off accounts are causing alot of stress in my life, which is resulting in a financial crisis DISCOVER BANK/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have opened Citibank Account Package ( including interest checking and savings accounts ) and enrolled to Citibank {$400.00} Checking Offer. 
Owner of the eligible accounts must make the Minimum Deposit in New-to-Citibank Funds, within 30 calendar days of checking account opening according to the Offer Terms and Conditions. 
I received only a banks confirmation letter dated XX/XX/2020 to prove my checking account opening. I didnt receive any other information of account opening, which is confirmed or contained a particular date. 
Based on this date i made a minimum deposit of {$15000.00} ( wire transfer ) on XX/XX/2020 which was the latest appropriate date within the 30-day period. 
However my first bank statement indicated statement period from XX/XX/XXXX to XX/XX/2020 that means my accounts was opened on XX/XX/2020 and Im not eligible to the Offer because my minimum deposit was late. 
Thats absolutely doesnt match all the information bank provided for me. 
Citibank doesnt provide me with important information about my accounts on time, all procedures during accounts opening was confusing and not clear to understand my rights and obligations. 
I tried to talk about the issue and wanted to confirm my eligibility for the Offer with Customer Service by email. Citibank representatives refused to explain my eligibility and didnt resolve the problem. 
Citibank answer : We understand your promotion eligibility inquiry. You will need to wait the promotion fulfilment time frame, which is up to 120 calendar days from the date to all the terms and conditions were met in their entirety.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account, 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
Product: Credit reporting or other personal consumer reports

To : Experian XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Subject : Demand to Cease Reporting My XXXX Account & Legal Penalties for Non-Compliance Dear [ Credit Bureau Representative ] and Discover Representative, I am formally invoking my right under 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act, GLBA ) to opt out of having my financial information disclosed to third parties, including credit reporting agencies. I am demanding that XXXX cease all reporting of my account, and that all credit bureaus remove Discovers data from my credit file.

Legal Obligation to Honor My Opt-Out Request Under 15 U.S.C. 6802 ( a ) - ( b ), financial institutions are prohibited from disclosing a consumers nonpublic personal information to nonaffiliated third parties if the consumer opts out. 

I never provided XXXX with authorization to share my personal financial data. 
I am now explicitly revoking any assumed consent, and this letter serves as my formal opt-out request under federal law. 
Penalties for Non-Compliance with the GLBA Opt-Out Request If XXXX or any credit bureau refuses to comply with this request, the following legal consequences apply : 1. Civil Penalties ( 15 U.S.C. 6805 ) The Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorneys General can impose fines of up to {$100000.00} per violation against financial institutions that fail to comply with GLBA privacy requirements. 
2. Criminal Penalties ( 15 U.S.C. 6823 ) Any officer or director who knowingly and willfully violates the GLBAs privacy protections can be personally fined up to {$10000.00} and imprisoned for up to 5 years.

Additional Violations and Penalties In addition to GLBA violations, XXXX has engaged in other unlawful practices : Failure to Provide Notice of Payment Due ( 15 U.S.C. 1666b, Truth in Lending Act ) XXXX failed to provide a billing statement at least 21 days before the due date.

If no verifiable proof ( e.g., tracking information ) is provided, the reported late payment must be deleted.

Failure to Notify Me Before Reporting Negative Information ( 15 U.S.C. 1681s-2 ( a ) ( 7 ), Fair Credit Reporting Act ) XXXX was required to notify me at least 30 days before reporting negative information to credit bureaus. 
Failure to do so makes the negative entry invalid and subject to immediate removal. 
My Formal Demands Remove the late payment entry immediately due to legal violations. 
Cease all reporting of my XXXX account per my opt-out request under 15 U.S.C. 6802.

Provide written confirmation within 30 days that my request has been honored. 
If XXXX and the credit bureaus refuse to comply, I will : File formal complaints with the CFPB, FTC, and my State Attorney Generals Office. 
Pursue legal action seeking damages for GLBA, TILA, and FCRA violations.

This letter serves as formal notice. Non-compliance may result in severe financial and legal penalties under federal law. 

Sincerely, XXXX XXXX
Product: Mortgage

Mutual of Omaha Mortgage is holding escrow money belonging to us after we sent a written and signed by both parties " Waiver of our Escrow Account '' per their request. They refuse to allow us to add an additional {$10.00} homeowners ' premium payment to our monthly mortgage payment. They took this money and did not apply it for homeowners ' insurance premiums, but for an additional mortgage payment. The check was clearly written and marked for " Escrow '' only. Mutual of Omaha Mortgage tried to scam us out of more money for homeowners ' insurance premiums when our XXXX agent notified us to increase our payment monthly by {$10.00} starting on XX/XX/2022, this was done by mail. This company sent us an order letter to give " them more money '' for the escrow account to pay our homeowners ' insurance premium. We chose to pay our homeowners ' insurance premium ourselves arranged with our XXXX agent. They continue to not refund all the monies they have taken from our monthly mortgage payments for an authorized escrow account to which they are maintaining for themselves and not us, the borrowers.
Product: Debt collection

On XX/XX/XXXX I called Portfolio Recovery and asked to settle the debt for {$250.00} the woman was not willing to allow me to pay by check or send me a pay for deletion letter. She insisted I pay the same day and they would consider this debt settled for {$250.00}. They kept telling me the entire call is recorded so there is a way to get those recordings. They told me I settled it for XXXX but on the credit they only decreased the amount they are still telling me I owe money. They lied to me and did not remove this debt that I settled with them.
Product: Credit reporting or other personal consumer reports

I am sending this complaint again as I am seeing no changes in my request for the deletion of these fraudulent inquiries. While the XXXX has removed ALL the fraudulent inquiries from my credit report, but the Experian and XXXX have yet to remove these fraudulent inquiries from my credit reports. And I am hopeful that the Experian and XXXX removed these harmful inquiries from my credit reports as soon as possible within 15 days time : EXPERIAN : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My dad put a car in my name using a loan from XXXX XXXX and a settlement letter was sent to my home regarding this and said I must pay XXXX immediately. I explained to the consumers that I had nothing to do with it. I even told them that the information they had had wasnt even have the correct information on the mailing envelops so I never even saw or took the letters seriously ( BOTH MY NAME AND ADDRESS APT NUMBER WAS MISSING ). I even reached out to my dad who I asked to please get this vehicle out of my name and he stopped responding to me. XX/XX/XXXX I paid XXXX XXXX  after explaining to them as well that I was not involved in this but Ill do what I can just to get this stuff off my credit. I never in my life had a vehicle or even know how to or what to do to purchase one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and I am complaining about the XXXXXXXX XXXX/ account under the # XXXX that is reporting on my credit report. I have filed a FTC complaint under the # XXXX as well as providing additional information about this account that it is not mine as I never opened this account and this is not my information. There has been no evidence provided to me that proves this account as mine or no response in over 30 days from either the creditor or credit bureau.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I had a credit check from XXXX I dont recognoze company I never requested a credit check Fraudulent activity
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these erroneous account multiple times because I do not recognize this debt. The company did not preform a proper investigation therefore the account wasn't removed. The company insists that the account is mine although it is not. If there is an account with them in my name it is a result of theft. I have filed an identify theft report. There are two accounts with XXXX XXXX. XXXX XXXX  XXXX Account number XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXX. In addition, the company keeps changing the charge off date. The charge off is over XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on multiple occasions to reach out ; I have sent letters to the credit bureaus to have this address removed from my credit report. It still needs to be done. I am a past victim of identity theft, so incorrect information must not be on my credit report. The address that needs removal is XXXX XXXX XXXX, XXXX, AL XXXX. Please remove this address from my credit report immediately.
Product: Checking or savings account

I opened a checking account with Huntington Bank, and was supposed to get a {$750.00} bonus. They denied it to me by saying that I already had an account. However, they wer e two different tax id 's ( one a ssn and one a business tin ). I was specifically told by a banker that it would be eligible for the bonus. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$6400.00} Consider this as my follow-up complaint to make sure that the account is validated.
Product: Credit reporting or other personal consumer reports

Experian reported incorrect information about debt and does not update credit report in a timely manner
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance : {$920.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX -Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX