23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently complained that wells fargo did not comply wit the cares act to do a forbearance for my loan payments. Wells Fargo called me and XXXX said she would send me a letter stating the forbearance was thru XXXX and that I would not get foreclosed on for the missed payments of the cares act. Then, I never got a letter and wells fargo said they were investigating it. A XXXX XXXX  called me and said wells fargo must research this issue, but they want to research it past XXXX, which would be a payment I am supposed to receive a forbearance for. I made my XXXX payment, and XXXX payment, out of fear wells fargo would foreclose, and now I must make my XXXX payment because wells fargo is investigating whether or not I get the forbearance. XXXX XXXX refused to talk about the cares act, and lied by omission that I should receive a 6 month forbearance under the cares act if I attest that I am affected, of which I am. She refused to acknowledge the law, and was so unprofessional that it borders on negligence for failure to disclose the laws enacted by congress. She can not actively lie by omission.
Product: Credit reporting

I have my Experian credit report and I notice that experian is providing inaccurate information about my account status and there is some discrepies. I have being applied for credit and when the company pulls from experian credit report, i either been denied credit or have to pay a high security deposit. Whereas when a company pull my credit report from XXXX and XXXX, is were i am always approved. Experian credit bureau is not reporting accurate information.
Product: Debt collection

My cell phone rung and I told someone to answer it and the debt company did not verify who they were speaking to and disclosed all of my personal business about me being 30 days behind on my car note and demanding payment ... then when the person told them they could n't do that the lady became upset and tried to lie and say he said he was my son and then she hung up..after disclosing my personal business
Product: Debt collection

An account was open with out my consent XX/XX/year> in my name with a balance of {$24000.00} I submitted dispute and requested all documents from creditor which I have not received yet this is so unfair to me
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX Original creditor XXXX XXXXXXXX XXXX Balance ; XXXX XXXX BANK XXXX XXXX XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit card or prepaid card

XXXX  charges of {$150.00} total XX/XX/2019 placed on my account. 
Correct account adjustments made to account by card issuer XX/XX/2019. 
XXXX charges changed to XXXX XXXX charges after this. 
( {$39.00} each times 4 charges ) ID THEFT/FRAUD XXXX XXXX charges of {$470.00} placed on my account, statement closing date:XXXX. ( {$39.00} each times 12 charges ) ID THEFT/FRAUD XXXX XXXX charges of {$550.00} placed on my account, statement closing date:XXXX. ( XXXX each times 14 charges ) ID THEFT/FRAUD XXXX XXXX charges unresolved But card issuer notified by Certified Mail that I refuse and deny both charges of {$470.00} and {$550.00}. I DID NOT ORDER these items and have NOT received any items called XXXX XXXX to date. I have contacted card issuer via Certified Mail. Requested a new credit card after corrections made and then transfer balance to new card.
Product: Credit reporting or other personal consumer reports

Credit Bureau : XXXX, XXXX, XXXX. 


Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 


XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. Capital One Auto Finance XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX. XXXX XXXX >> XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Dear Equifax Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

**Accounts in Question : ** XXXX XXXX XXXX with a balance of {$0.00}, ( loan ) **Personal Information : ** -XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, La XXXX - SS # XXXX - DOB XX/XX/XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 
2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 
3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 
4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

Sincerely, XXXX XXXX
Product: Checking or savings account

I deposited a check from my employer, having been incentivized by Chase to deposit funds into the account with an offer of {$300.00} after receiving a qualifying deposit of a minimum of {$500.00}. Which is what I proceded to do. 

On XX/XX/XXXX at about XXXX XXXX XXXX, I deposited a check issued by my employer of roughly {$2000.00} and was immediately informed that funds would be available on XX/XX/XXXX ( 6 business days, 9 calendar days later ). I called Chase several times, they answered that since it's a new account and has never had transactions they need to hold the check for 6 business days. Had I known this from the start I would have never done business with Chase. This is why nontraditional banks are popping up and I will never do business with traditional banks again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

These accounts have violated my rights ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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: Debt collection

My mortgage was sold to Ditech, a XXXX XXXX. For several years I have paid biweekly payments on my mortgage. I began getting automated-telephone calls several months ago informing me that I was late and assessed finance charges. I contacted them and they admitted that I was not late ; that the moneys had been put into a holding account and they would credit my mortgage. However, I continued getting these automated-calls several times a day ( including late at night ). I contacted them again and was informed that I would continue to receive these automated calls until they completed the process of crediting me ... that this could go on for a week to 10 days. The representative told me that I could n't do anything about that. I finally spoke with a supervisor who told me that he would put a note on my account to not continue calling me ; that it was taken care of. This repeated for several months. Finally I was informed that as long as I continued to make biweekly payments, this would continue to happen because their new system could not deal with this ; however, if I applied to make the payments through them ( that they would automatically get the $ $ from my checking account ), I would not have these problems. They faxed me a form last week. I filled it out and submitted it by e-mail. Would n't you know, I started getting phone calls within 3 days that I sent the form in. Again, I called and the representative said that she would make sure that the money that they withheld would be credited to my account and I did not need to make a payment until XXXX XXXX. She said that they did not get the e-mail either. She told me to submit the form again by faxing it. I did this. Would n't you know, I came home and there was a note tagged on my front door informing me to call them to arrange a meeting to discuss my account. No one at Ditech will take responsibility for taking care of this issue. Every time I call them, the representative looks up my account and informs me that I am not late. I have gone as far as begging them to fix it and stop harassing me. I told the representatives that I would imagine that they are getting tired of getting phone calls from me ... to find out that someone does not investigate before harassing me. I tell them that this causes them having to deal with irate, frustrated clients over and over. I was told that they do not mind getting calls from us. Aaaaargh!!! They have taken no initiative to hold anyone accountable for investigating to see if there is a problem ... or if my account is tagged as being current. Each representative that I have had to call again tells me that, " Oh, there is a note in your file that this is not delinquent. '' The way that they report my payments do not show if the finance charges have been removed or if I am labeled as not paying. If this is happening to me, then I am quite certain that this is happening to others. I spend an average of 15 hours a month dealing with this issue. ( multiple automated phone calls to me, and multiple calls that I have to make to them each time ... and the time that I am on hold )
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and found the following items to be errors. Here as follows are the items in error : XXXX/XXXX, late payments XX/XX/XXXX to XX/XX/XXXX. Please verify, if cant be verified please delete immediately. 
XXXX XXXX XXXX, late payments XX/XX/XXXX to XX/XX/XXXX. Please verify, if cant be verified please delete immediately. 
XXXX XXXX. Late payments XX/XX/XXXX to XX/XX/XXXX. Please verify, if cant be verified please delete immediately. 
XXXX, late payments XX/XX/XXXX to XX/XX/XXXX. Please verify, if cant be verified please delete immediately. 
XXXX XXXX XXXX Charge Off. Please verify, if cant be verified please delete immediately. 
XXXX  XXXX Collection. Please verify, if cant be verified please delete immediately. 
XXXX XXXX XXXX Collection. Please verify, if cant be verified please delete immediately. 
XXXX XXXX ( Charge Off/Collection ) Please verify, if cant be verified please delete immediately. 
XXXX XXXX Please verify, if cant be verified please delete immediately. 
XXXX XXXX XXXX Please verify, if cant be verified please delete immediately. XXXX XXXX XXXXXXXX XXXX Late Payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please verify, if cant be verified please delete immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

Account info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX/XXXX/XXXX, a robocall was left on my voicemail - stating that there was a message for XXXX and given claim # XXXX. I returned the call. I was told I was in Breach of Contract for a payday loan taken out on XXXX/XXXX/XXXX from XXXX XXXX, and I owed {$500.00}. When I asked for a mailing address for the debtor, I was told they could not provide that for their own security. They said they could email me information only. They provided a fax XXXX Attn : Arbitration. They stated that if I did not pay on the debt via credit card, would go to jail and I better get a " good lawyer. '' They had my last XXXX of my social. They are leaving these messages on my cell phone and sister, husband, mother and brothers phone. They do not have a legitimate company -- internet research is showing this is a scammer number. I do not have any outstanding payday loans - nor have I taken any payday loans in XXXX. These company is operating as a bogus debt collector and will only accept payment via electronic means. They will not provide a mailing address. I have called multiple times and they yell, threaten with jail time and that they will see me in court, and then hang up. They will not give you any verification of alleged debt, will not provide you anything via mail
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX  AND DEPT OF EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX WI XXXX; XXXX XXXX XXXX XXXX XXXX, WI XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$88.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$9800.00} ; XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX westcoast time. I tried to make payment for credit card due date XX/XX/XXXX. ( Capitol One Union Plus ) The system would not accept payment date of XX/XX/XXXX. I called customer service asking why payment system will not allow XX/XX/XXXX as payment date. C/S Rep advised because of East Coast time being XXXX. The payment will only process as XX/XX/XXXX what made my payment late. A {$27.00} dollar late fee was applied to my account dated XX/XX/XXXX. The payment made was dated XX/XX/XXXX. C/S Rep refused to accept payment for XX/XX/XXXX. Spoke with XXXX Account manager refused to reverse late fee {$27.00}.