23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo was the servicer of our mortgage until the first of this year, when they transferred the servicing to XXXX XXXX XXXX. When we started receiving statements from XXXX it was clear that XXXX 's accounting was incorrect regarding the principal balance. We spent countless hours with XXXX trying to correct the errors, only to come to the conclusion that they really couldnt make sense of the mortgage history they adopted from wells fargo and referred everything back to Wells Fargo. On XXXX XXXX, 2017, i requested a mortgage history from Wells, and am still waiting for that, after many calls and requests. They say they are working on it, but in the mean time i have missed the selling season on the house and have incurred much XXXX and other damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX reported a {$670.00} collection account to the credit bureaus on XX/XX/XXXX. I disputed the collection account and it was removed. However, starting XX/XX/XXXX EOS CCA started reporting the same account amount {$670.00} as a new collection account even though it had previously been removed. I've disputed the EOS CCA account with the company. I've requested that they demonstrate that they are licensed in Maryland as required by Maryland statute, but they have refused to proved proof of license to operate in Maryland. Further, base don either the original XX/XX/XXXX XXXX reporting date or the XX/XX/XXXX EOS CCA reporting date, the debt ( if even valid ) is passed the 3 year Maryland statute of limitation and is noncollectable. My credit score dropped at least XXXX  points when EOS CCA started reporting the XXXX account as collectible. As a result I am unable to be approved for a conventional mortgage loan and I am currently at the low limit of qualification for a FHA loan. Just this month I was denied a rental application because of the EOS CCA collection account.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, no later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
Fradulent Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX this/these accounts unless you want to be held accountable for {$1000.00} per account
Product: Checking or savings account

I filed several disputes for transactions in my Netspend / XXXX Account l. After having my settlement check direct deposited into that account the account was drained by a sudden surge of transactions all of which were not authorized by me, had no knowledge of, and really had no way of making the transactions as I didnt even receive the debit card until days after the account was already at.a XXXX balance. I submitted the disputes in a timely manner and after 30 days was informed they found no error which is completely absurd as this is a MAJOR error. I honestly believe this company wasted my time by making me wait 30 days and clearly investigated nothing at all and cost me hundreds of dollars in additional late fees and a multitude of other problems by having that money stolen from me. I feel this company is a total scam / fraudulent company full of theives who are stealing peoples personal finances and telling people they found no error in their investigating cause why would they investigate themselves. There is a major problem here and something must be done.. the transactions I disputed were in 2 separate disputes and are as follows : 1 ) XX/XX/XXXX for  {$1400.00} 2 ) XX/XX/XXXX for {$1500.00} I am formally requesting an investigation be done on this company and for the disputes i had sent to them and was denied.. 

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

Unauthorized inquiries on my credit report
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX {$290.00} XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX Account Number:XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

This company has been harassing me for quite some time now i have been receiving calls from many different numbers I had to change my telephone number. I was also put in a situation as to where I am unable to purchase a home and or put my sons through school this is becoming to be very frustrating for me to cope with on the day-to-day basics.
Product: Debt collection

To whom it may concern I have been having grief with the same companies over and over. I have disputed these debts on numerous occasions and yes they are removed but they are later reinserted, sold to another debt collection agency, with no update on my credit report or proof that I am the owner of these debts all from Commonwealth Financial, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. They are damaging my credit and reputation substantially without any proof of original contract or signatures from me. The disputes are not even showing on my credit reports and I am aware that my reports should reflect that information. Nor have I received updates from my disputes or original time frame or contract from debt instead after the disputes these accounts are re-aging and that is completely illegal. Also following disputes it seems to me that they are reselling the accounts to someone else after showing removed and then opening again. In addition each time these inquiries are placed back on my credit report I have never received a 5 day reinsertion letter and if there is proof of such letter, please also send to my address. IF not this is yet another violation of thre FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), which states you are required to notify me in writing. I am asking for the last time for the Commonwealth Financial Accounts furnish original contracts and proof and initial contract dates for all collection accounts they are claiming belongs to me. I will take further legal actions if these accounts are not removed. I have exhausted all my efforts with this company and the games they are playing or illegal. Please review all 3 credit reports to see the removals, re-insertions, and re-aging that is continually happening. 

I am really doing all I can to get my credit at a good standing but this is really impacting my credit. I was at XXXX and have received dramatic decreases.
Product: Bank account or service

The Bank is US bankMy bank account had 2200 dollars in my bank account on XX/XX/XXXXI deposited a check for XXXX on XXXX so I my balance was over XXXXthe bank returned my check. 
they stated on of the names on the check was on the account being deposited. 
Received an email stating my bank account was over drawn to -4500 dollars on XXXX called the bank.the same dayThey bank stated the overdrawn position was a bank error. It had something to do with making money available during the deposit phase of the check deposit. they told me they had moved over 5400 dollars from my line of credit to cover the overdraw position. Complained and asked how can an account of more than 10,000 dollars go down to XXXX XXXX XXXX ). The difference between these XXXX numbers was XXXX dollars. How could they have taken that much money out of my account? They said it was a bank error and that they would fix it. To this effect they stated they would refund the charges for the bank transfer of 5400 dollars. I assumed it was fixed. 

XX/XX/XXXX I received a statement from US Bank stating I owed over 5400 dollars. I called again XXXX. The last person stated that it their department was the checking department and they could not help with the premier line of credit because it was a credit card problem. 

Called them another day. Asked to talk tot he premier line of credit department. They stated they would not help. They referred me to the branch manager. 

Called the bank manager. The manager is not there all the time. They promised to call monday XXXX. In the mean time their credit card department is calling me stating that I am past due. I explained whit the problem is and they stated they can not correct the problem. As of today they have called me XXXX times. 

The facts are my account balance was never XXXX. I had not withdrawn or spent money during the time that the check was deposited. This should have never happened. At least XXXX people at the bank have acknowledged this was a bank error. However not one has fixed it. 

How can force them to fix the problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 card

I bought tickets to a XXXX XXXX event in 2022 at XXXX XXXX which was all paid ticket and we were not suppose to be charged anything new on top we went in and made a purchase for a certain amount which we paid then and there and when I came back home I was surprised to see I was over charged for a very huge amount I did not even sign to purchase for. I have tried to work with Apple so many times but they have always sided with Merchant without any proof of purchase and never shared any evidence on why they sided with Merchant
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcies that are not mine are being reported when it belongs to someone else I have I have requested many time for a update and validation via certified letters but never been provided anything the inaccurate information is still being reported on Transunion only US BANKRUPTCY XXXX US BANKRUPTCY XXXX
Product: Debt collection

I have been having trouble with false wireless charges with more than one company. I found this debt on my credit report today without ever receiving communication from this collection company. This debt of {$370.00} has been held with XXXX different prior collection agencies over the years. Each time, the debt has been found to not be mine. XXXX is listed on the credit report as the original owner, but like the other times it showed up, there is no information on an address or date for service. I have been with either XXXX or XXXX over the past few years, not XXXX. I do not know what this is or why it keeps coming showing up every few years. This agency is clearly not going to allow me to formally dispute this as they bypassed the process.
Product: Debt collection

I am making a dispute agains t Nationwide Recovery Service in  a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8  ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for  VALIDATION m ade pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports  (   XXXX ,  XXXX , and  XXXX   ).  This action constitute fraud under both Federal and  State Laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I would like to have these inquiries removed immediate, due to not receiving any assistance through these companies listed. There are some issues that are being addressed currently with incorrect/ inaccurate reporting from XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX . All of the above accounts have been charged off, but the reporting agencies are still showing on my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXDiscover Financial Services XXXX XXXX  XXXX I am requesting to have these inquiries removed immediately since they have no affiliation with me and they are found to be misleading, according to15 U.S. Code 1681 ( A ) Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agencyif ( i ) thepersonhas been notified by theconsumer, at the address specified by thepersonfor such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

This information can be mailed to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Requesting Inquiries To Be Removed From Credit Report Requested on XX/XX/XXXX Thank You!
Product: Credit card or prepaid card

I have excellent credit and so I applied for a Citi AAdvantage credit card. I was sent a letter that my application was incomplete and could not be processed, but was given no explanation as to what was missing. I filled out the complete form for the credit card online. I tried calling the company and the employee told me there was missing information and that I had to call them back through my house phone. When I did, the company would no longer pick up my call, but a recording said a letter they were sending me would explain more. The second letter just said I was not approved due to missing information. I feel like I input a lot of private and correct information into this application and I was never given any explanation as to why I was not approved. I have checked my credit and it is fine. If there is any other reason I was not approved I believe I have a right to know. The phone number they sent me is a dead end. It asks for my SS # and then hangs up on me so I can not speak with anyone. I am afraid that this company has all my private information. What can I do?
Product: Credit card

On XX/XX/2023 an online purchase made with a Bank of America credit card was lost by the package carrier, as confirmed on XX/XX/2023 by USPS. This incident qualifies for a Bank of America credit card benefit - Purchase Security - a benefit that had been available on this and two other Bank of America credit cards. Upon attempting to file a claim with Bank Of America designated Benefits Administrator, I was informed that such benefit does not exist. This is the first time this change in the terms of Bank of America 's " Your Cardholder Benefits Guide '', and the most recent copy from Bank of America made available to me clearly indicates such benefit. Multiple attempts, made by phone and visiting a local branch, to obtain clarification from Bank of America as to when the bank notified me of the change were unsuccessful.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request you assistance in investigation this matter to ensure my rights are upheld. Thank you for your assistance.
Product: Checking or savings account

I received a text and phone call from Axos XXXX XXXX XXXX unit XXXX morning, XXXX XXXX. They said there has been an unusual charge of {$85.00} from some movie place. I told them I knew nothing about that and the fraud unit deactivated my debit card. I told them I just have money direct deposited in the account the night before and how was I to access my money now. They told me to contact my bank .I did contact Axos on XXXX and they reissued me a debit card. The axos rep stated I would have to wait 5 to 10 business days to receive the card. I asked how I was suppose to get access to my money in the meantime. The axos rep said I would have to wait 5 to 10 business days. That is not acceptable.. I tried onXXXX XXXX XX/XX/XXXX, to use the " move money " feature on the Axos app and send a payment to myself. The send money page said that it would be sent the next business day.. well I waited all day and I contact Axos again and the rep says my payment won't be sent until tomorrow ( XXXX XX/XX/XXXX, ) that is unacceptable. The app said it would be sent next business day. I tried to transfer money that was direct deposited into my account last night and to a prepaid debit card linked and verified to my Axos account and it says XXXX to 5 days till I receive the money. I have been without access to my money for 5 days now .this is not right.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern Im writing to formally dispute incorrect information that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, I have the right to accurate reporting, and your failure to ensure this has negatively affected me. 

The Issue Here are the details of the inaccurate information Ive identified : Creditor Name ( XXXX ) : XXXX, XXXX, Transunion Whats Wrong : All Three Bureaus are reporting the following damages to my credit score : " You have too many delinquent or derogatory accounts '' -- I have XXXX Hard inquiries, XXXX late payments reported, XXXX collections, XXXX Derogatory accounts. 

I have XXXX open line of credit that has never been late. 

" Too many installment accounts with a delinquent or derogatory payment status '' -- I have XXXX installment accounts with XXXX derogatory payment status " Lack of sufficient relevant real estate account information '' " The date you opened your oldest bankcard or credit card account is too recent '' - Account was opened 6 years and 4 months ago. 


This incorrect information has caused me harm, including damage to my credit score and my ability to access financial opportunities. I have been denied housing! I have been denied lines of credit, while not having any negative credit marks.

What Im Requesting Under 15 U.S.C. 1681i, youre required to investigate disputes like this and ensure all information on my credit report is accurate. Heres what Im asking you to do : Investigate this error thoroughly. 
Correct or remove the inaccurate information. 
Confirm in writing that the changes have been made. 

Why This Matters Your failure to ensure the accuracy of the information on my credit report constitutes negligence, as defined by 15 U.S.C. 1681o. This negligence has led to measurable harm, including : Damage to my creditworthiness.

Higher interest rates.

Emotional distress caused by credit denials and financial difficulties.

If this issue isnt resolved quickly, I may be forced to pursue legal action to recover damages and attorney fees, as allowed by the FCRA. 

Supporting Documents To help with your investigation, Ive included : A copy of my credit report with the disputed items highlighted. 

Next Steps Please confirm that youve received this letter within 5 days and let me know the outcome of your investigation within the 30-day timeframe required by law. I expect this matter to be fully resolved by XX/XX/year>. 

Thank you for your prompt attention to this. I look forward to hearing from you soon. 

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

I reached out to the credit companies about my address and name as well as social security numbers that are incorrect and still there has been no change. 
I also have late payments on accounts that has been paid in full.