23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am paying my mortgage online through online bill pay. My payment is being rejected by the mortgage company, Loan Care, LLC. Unfortunately for me, I do not find this out until 20-25 days later when my bank finally refunds my on time payment. 

Timeline of events ( approximations on the hours ... the days are precise ) : XX/XX/XXXX - Payment was made XX/XX/XXXX - I hold my Payment for XXXX because I don't know where my previous mortgage money went. I think I'm getting scammed at this point. 
Between XX/XX/XXXX and XX/XX/XXXX - Over 25 hours of hold, >2 call back requests and 2 emails ... I can not get contact with a human. I would either get hung up on or the customer service center would close. 
Between XX/XX/XXXX and XX/XX/XXXX the people who closed on my mortgage contacted someone to get in touch with me. They told me to try my payment again. I said I would wait to make sure I have my money back first since they rejected it. Their response, " We can not reject a payment. '' I have proof that they do. I've sent it to them in email and I also have a second round of proof now that they rejected my payment again! They then tell me I don't have enough funds in my bank account. This is also a complete farce. 
XX/XX/XXXX - Bank refund was received for mortgage payment XX/XX/XXXX - Refund cleared ; payment was sent again. Loan Care processed the payment on XX/XX/XXXX. 
XX/XX/XXXX - I was reported to the credit bureaus for delinquency. 
XX/XX/XXXX - Able to get enough evidence to prove that delinquency wasn't my fault. Sent proof to Loan Care. 
-- End of this issue -- XX/XX/XXXX - Paid for XXXX. 
XX/XX/XXXX - XXXX XXXX for XXXX payment. 
XX/XX/XXXX - Called Customer Support around XXXX ... requested call back. Received callback at XXXX. XXXX said processing fee would be waived and late fee would be waived ; so I asked if I could pay both XXXX and XXXX. He said yes. Unfortunately, I was not prepared with financial information as I was out to dinner and tried to pay with debit card and using my phone with the only access to my bank account. Agent said not possible to pay with debit card but to call back when I got my information and that he noted everything in the account. Agent also  specified that my credit reporting to the bureau was fixed. 
XX/XX/XXXX - XXXX Called customer service. Requested call back. Received call back ~8. Agent refused to waive my processing fee. Why should I pay for someone to take my payment when they deny it online, deny that they are denying it, tell me that they will process it with the fee waived and then deny waiving the fee? I became unhinged, the arrogant agent stuck to her guns ... I hung up and wrote this note. 

Why am I fighting to pay someone something do not want to accept? I should not have to put in part-time hours to get someone to accept my payment. I'm not asking for a hand out. I'm not asking for freebies. I just want to pay my bill and not have it sent back to me.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX and Experian, and I noticed a late payments posted on my credit report : XXXX XXXX  for the month of XX/XX/XXXX - XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX Date of birth XX/XX/XXXX  I just received my investigation results, and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681. ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX  XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Thank You,
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected not removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I contacted Wells Fargo regarding a purchase from XXXX XXXX for a vehicle that I rented which did not meet my expectations. Issues with the vehicle included faulty unsafe equipment, AC that did not work, and ultimately vehicle suffered a mechanical malfunction. XXXX had been notified through their consumer relations department and through two separate XXXX XXXX XXXX complaints. ( Complaints XXXX onXX/XX/XXXX, and XXXX on XX/XX/XXXX respectively ) Wells Fargo was contacted on XX/XX/XXXX and instructed to place a stop payment on any XXXX transaction. They were given card numbers, and pertinent details regarding the matter. Additionally, they were contacted again on the XX/XX/XXXX and given a specific dollar amount to add to the stop payment order. On XX/XX/XXXX, the transaction in dispute posted to my account in the amount of {$1100.00}. On XX/XX/XXXX, I was informed to file a dispute to the transaction. Upon speaking to the dispute representative, I was informed that I did owe them money, that I did purchase a product from them. Wells Fargo is not the moral adjudicator for my financial dealings, nor do they have sufficient information to determine whether XXXX honored their portion of their obligation to me. Wells Fargo did not act within the scope of their obligation on my behalf. Wells Fargo did not honor the stop payment requested by me on two different occasions, and Wells Fargo did not act in good faith on my behalf, their customer. The representative simply read XXXX invoice ver batum. I was under the false impression that Wells Fargo sought to assist their customer, not act on behalf of the merchant.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX
Product: Vehicle loan or lease

I called Automobile Acceptance because I noticed that my credit report is reporting a balance of {$13000.00} and is saying that I failed to pay every single month even though I respectfully asked to to come pick it up due to my inability to pay the note due to me losing my job.. I voluntarily gave them the vehicle back because I lost my job and my ex husband stopped paying the car note for he paid it every month since he had me get it. The account shows as a repossession, which it was not it was a voluntary repo due to my change in my finances, but I never received a call or a piece of mail since they picked up the car from my home. I have had the same phone number the entire time, since XXXX. I never even received a letter stating the remaining balance after the sale of the vehicle. I had to consult with an attorney that advised me of the steps to take and this was one before entering into litigation at which I hope that is not necessary. I updated my address with them in XXXX when I moved and in XXXX when they called me about the late payment and I told them I could no longer afford.
Product: Debt collection

On XX/XX/year> While XXXX XXXX XXXX XXXX XXXX XXXX  a fellow service member stole a dufflebag containing sensitive documents including my birth certificate, social security card, government I.D . Drivers License, Military I.D . Cell Phone, Laptop, Tax Returns among other things. This Individual then went on to open several lines of credit in my name and I've been trying for years now to fight these reports on my credit with little help, I'm filing this dispute in hopes to receive some response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX needs to be removed immediately from my credit report it's inaccurate and incorrect information I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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: Mortgage

Hello, This loan was first started with XXXX XXXX from the third month forward XXXX XXXX has been reporting a late payment XX/XX/XXXX. Another payment under dispute is XX/XX/XXXX this payment wasnt provided, and the dispute with the banks as follows ; in the month of XXXX XXXX XXXX received a mortgage payment of XXXX on the XXXX, and on the XX/XX/XXXX. XXXX payment was part of a 13-month year payment program that wasnt completed. These payments have been challenged on many occasions with XXXX XXXX, and the next service provider Select Portfolio Services ( SPS ).
<P/>
Im asking the servicer to count from the date that the loan began to the present date, if you agree that the proof presented in the bank record is authentic for the month of XX/XX/XXXX then I believe that I can find this mystery third payment that SPS is claiming. XXXX XXXX on payment review ( XX/XX/XXXX ) created a new payment XXXX  based on the missing payment of XXXX ( XX/XX/XXXX ) this new payment includes the XX/XX/XXXX payment with interest, and fees based on the thought that XXXX XXXX didnt receive it.
<P/>
In addition, this third payment that XXXX created has never been substantiated with a date! We have records proofing each payment provided to either XXXX XXXX or SPS. This concerns me when asked about documentation, some of the information on this matter sent to me doesnt look authentic?
<P/>
If the service provider would take the time to count the payments made on the loan they would find all payments to date, and that number is 66 payments. Now, I have requested the dates of all the missed payments. I have received missed payments of up to five from SPS within the past year and now have received a letter owning three payments behind. This miss information is being propagated to all the credit bureaus for the past 5 years driving our credit into HELL!
<P/>
XX/XX/XXXX XXXX XXXX  sold my Mortgage to Select Portfolio Servicing ( SPS ). XXXX XXXX stating 3 payments behind on the mortgage and thats where it stands today! Again, I strongly believe that this information, the XXXX document arent accessible to SPS. Thus, the inaccuracy with their reporting.
<P/>
Events to keep in mind ; Year XXXX withXX/XX/XXXX payment 12 payment are verified ; Year XXXX XXXX XXXX  created an additional payment to include interest and fees on the principal mortgage amount to cover the XXXX payment ; Year XXXX  additional payment was made in XXXX ; Year XXXX without the XXXX payment 12 payments are verified ; XXXX XXXX sold Mortgage to service provider ; Year XXXX no payments missed 12 payments are verified ; Year XXXX no payments missed 12 payments are verified ; Year XXXX no payments missed 12 payments are verified ; Year XXXX no payments missed 6 payments are verified ; In red you see the 3 outstanding payment dates, in green you see that the payments arent outstanding! 66 payments are verified to date.
With the proof of the payment in XX/XX/XXXX the created payment in XX/XX/XXXX was done based on miss information thus neither unpaid balance exists, and the XX/XX/XXXX is negated by the additional payment in XXXX of the same year.
Product: Credit reporting or other personal consumer reports

I am a federally protected Consumer and I am opting out of any and all Authorization I the Consumer may have given you written, non written, verbal and non verbal per 15 UNITED STATES CODE 6802. 

YOU ARE IN VIOLATION OF THE PRIVACY ACT OF 1974. 


XXXX is reporting Inaccurate information on my consumer report. This is my 2nd attempt to have the fix the inaccurate information. 

YOU ARE NOT IN METERO 2 COMPLIANCE. 

YOU ARE IN VIOLATION OF 15 UNITED STATES CODE 1681b PERMISSIBLE PURPOSE. I DID NOT GIVE YOU WRITTEN CONSENT TO FURNISH ON MY REPORT,
Product: Debt collection

This company obtained a debt that i never signed to this is illegal I would like it removed of my credit immediately
Product: Debt collection

Was Covered under State Welfare/Medicaid ( XXXX during a Period of Homelessness. 

( XXXX ) XXXX Florida The credit bureaus have filed disputes, I have contacted the business over the last couple years several times a year to get this resolved with both the hospital and the debt collector. They originally admitted that they had double and triple charged me and this was to be resolved back in XXXX for XXXX. The debt collector said I need to contact the hospital and the hospital said not to worry about it but it still on my credit reports multiple times. All XXXX credit bureaus are working on this.
Product: Credit card or prepaid card

XX/XX/XXXX made an online payment of {$90.00} for a payment plan to Discover card- the payment cleared to be paid to Discover card. XX/XX/XXXX discover drafted another {$90.00} that didnt clear causing an insufficient funds fee of {$26.00}. I contacted them about the issue on that day & soon after another attempt was made to get the {$90.00} & my account accrued a 2nd insufficient funds fee of {$26.00}. I contacted them and asked to refund the {$52.00}. After phone tagging for several days my request was denied to have {$52.00} refunded to my account even though I made the payment on time & the money was in the account. I had asked to provide proof of my the transactions but was declined to do so. In the 1st attachments I took a screenshot of my payment to discover & the 2nd and final screenshots are of my bank account. It shows the 1st {$90.00} I paid on the XXXX cleared fine & my remaining balance was {$66.00} & change until 2 more attempts to get money were made by discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 
I have previously disputed this information and received a response that the creditor verified the information. However, this verification was inadequate and violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which governs the accuracy and completeness of consumer credit reports. The creditor and credit reporting agency did not provide me with the name of the person who verified the information or any evidence that the creditor conducted a proper verification. The creditor and credit reporting agency did not update the balance or the date of the account as required by the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 2 ). Furthermore, you failed to conduct a reasonable investigation within 30 days ( or 45 days in some cases ) of receiving my notice and report the results of the investigation to me as required by the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
Please investigate this matter and update my credit report accordingly using the XXXX XXXX format and in compliance with the consumer law from the USC, Title 15, Chapter 41, Subchapter V, which protects consumers from unfair or deceptive acts or practices in connection with credit transactions. 

I have enclosed a copy of my identity theft report as proof of identity theft, a copy of my ID, Social security card.
Product: Debt collection

Direct Recovery Services LLC. I have received multiple calls from different numbers from this company. The same company recently contacted an acquaintance of mine and left a voicemail stating they were escalating the issue pertaining to a debt owed. When I attempted to call the numbers the associates on the other line were extremely rude and cursed and became irate when I would not confirm my identity. The associates would scold me and say I am not the one in control and refused to give me a mailing address to send a cease and desist letter. I also expressed they were not to call my number again. Each time I requested a physical mailing address they would hangup on me. They are attempting to collect a debt that they have not validated.
Product: Mortgage

I was told to pay XXXX dollars and the account would be closed it still hasn't closed and is still destroying my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Dear Consumer Financial Protection Bureau, This is my second formal dispute regarding inaccurate and fraudulent information on my credit report resulting from identity theft. Despite my previous effortsincluding submitting an FTC Identity Theft Report, a police report, and placing fraud alertsthe disputed accounts remain on my report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to have any unverifiable or inaccurate information removed. The accounts in question, listed below, were fraudulently opened and do not belong to me : XXXX  XXXX  - XX/XX/XXXX {$440.00} XXXX XXXX XXXX - XX/XX/XXXX {$88.00} DEPT OF ED / XXXX - XX/XX/XXXX {$1000.00} DEPT OF ED / XXXX - XX/XX/XXXX {$1800.00} DEPT OF ED / XXXX - XX/XX/XXXX {$2200.00} DEPT OF ED / XXXX - XX/XX/XXXX {$3700.00} I have already contacted the credit reporting agencies and the collection agencies involved, but the issue remains unresolved. I am requesting your assistance to ensure these accounts are properly investigated and removed from my credit report if they can not be verified. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I Put through a Claim for XXXX that hit my account! that I never Authorized, They Don't Have My Signature, They Don't Have Verbal or Written Authorization to Pull Money From My Account! Nor ' Do they Have Proof as Such ' As I Have Never Provided It!! Wells Fargo is Supposed to be FDIC Insured and Follow Those Rules and Regulations!!! They after 30+ days are Fraudulently taking the money out of my account after a Bogus Claim, put through that Wells Fargo did! I Have Had Three Claims With Wells Fargo All Three Have Resulted in Wells Fargo Taking Money Out of My Account!! They are Abusing the FDIC Rules by giving temporary credits and taking them back after 30+ days!!! They are Doing this Across the Board with All of their Customers, This needs to Be Investigated on the Consumer Level!! When they Don't Have Proof of an Authorized Debit because it was Never Authorized yet ' refuse to Credit the Money Back they are not Following FDIC Insured and the Fraud is at the Bank Level!!! By the Way I Used to Work for them Now they are Saying Board Down ' Not to Hire XXXX  XXXX  People ' Any Wonder Why The Bank Has Tanked So Far!!! Lawsuit over Lawsuit, w/ some now of XXXX profiling and discrimination against innocent XXXX  XXXX  People!! Absolutely Disgusting!! Consumers ' Stay Away!! Lawyers Dig In '!! A Lot of Settlements Going Out!! & There Market Share has Dropped from XXXX $ to XXXX in XXXX Alone!!