23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After Hurricane Irma I called my loan servicer Mr.Cooper formally known as XXXX XXXX XXXX. I called to make arrangements to defer two month of payments for XXXXXX/XX/2017 due to the disaster at which time the representative stated that I would have to resume making payments XX/XX/2017. Instead in XXXX I received a hand delivered notice to my home about foreclosure and different options I have to save my home, I called Nation Star Mortgage to inquire about the notice I received. The representative looked up my account and stated the everything was okay that she sees where I resumed making payments for the month of XXXX. To disregard the notice that those notices are generated automatically. I asked if she was sure because I don't want problems with my home. I haven't even recovered from the disaster because I was in between jobs. She stated I was okay. However, on XX/XX/2017 I received another notice delivered to my home and they then started coming in the mail. Checked my credit report and it shows on my credit report that my account is delinquent. I called again and to no avail the manager stated that the only option was to refinance my home or do a modification.Monthly statements are showing delinquent payments for the 2 months. Please help me.Its hard to recover after a disaster I'm currently fighting with the insurance company to repair my roof.
Product: Credit card or prepaid card

I was diagnosed with XXXX in XXXX of 2021. I was very ill for two months and was not able to work during that time. I reported my illness to Capital One but did not receive a response back. Capital One reported a late payment of my Walmart credit card bill but I could not pay the bill due to my XXXX  diagnoses.
Product: Checking or savings account

1. Based on WellsFargo assertion in correspondence, it seems that they think that once authorization is granted, then it is given in perpetuity.

2. Reason 1 : I am not disputing the fact that I gave authorization. But I do have the right to place a stop order ( based on the below link on your website ) 5 years ago by certified mail on numerours occasions.

3. Reason 2 : As in any contract, either of the parties can break it, if circumstances change, i.e. closure of the business 5 years ago.

4. Wells Fargo has been withdrawing money from his account for a business that has failed 5 years ago 5. I have informed WellsFargo on several occasions of the law ( or regulation ) on stopping automatic payment/withdrawals see below with title - How do I stop automatic payments from my bank account? 

Some of the tracking numbers USPS tracking # XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX delivered XX/XX/XXXX USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX sent on XX/XX/XXXX but USPS has an error XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX In addition there were tickets opened in XXXX in the Wells Fargo portal that I no longer have access to, but they should be able to recover. 


https : //www.consumerfinance.gov/ask-cfpb/how-do-i-stop-automatic-payments-from-my-bank-account-en-2023/ How do I stop automatic payments from my bank account? 
Federal law provides certain protections for recurring automatic debit payments. You have the right to stop a company from taking automatic payments from your account, even if you previously allowed them. For example, you may decide to cancel your membership or service with the company, or you might decide to pay a different way. 

If you decide you want to stop automatic debit payments from your account, here are the steps you can take. 

How to stop automatic debits from your account ... ... ... .... 

Call and write your bank or credit union Tell your bank that you have " revoked authorization '' for the company to take automatic payments from your account. Click here for a sample letter. Some banks and credit unions may offer you an online form. 

Give your bank a " stop payment order '' Even if you have not revoked your authorization with the company, you can stop an automatic payment from being charged to your account by giving your bank a " stop payment order ''. This instructs your bank to stop allowing the company to take payments from your account. Click here for a sample " stop payment order. '' Heres how you can do a stop payment order : To stop the next scheduled payment, give your bank the stop payment order at least three business days before the payment is scheduled. You can give the order in person, over the phone or in writing. 
To stop future payments, you might have to send your bank the stop payment order in writing. If your bank asks for a written order, make sure to provide it within 14 days of your oral notification. 
Be prepared to include a copy of your revocation to the company ( see step 1 ) with your written stop-payment order.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not consent to the following lenders pulling my credit report : XXXX XXXX Inquiry Date : XX/XX/2021 XXXX/XXXX  XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX  Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX C/O XXXX Inquiry Date : XX/XX/2021 XXXX XXXX Inquiry Date : XX/XX/2021
Product: Debt collection

For the last 6-8 months a phone number, XXXXXXXX, identified as "National Enterp" calls our landline phone twice a day.  We have tried to answer this call to tell them not to continue calling but no one ever responds no matter how many rings we allow before attempting to answer.  The calls come just before XXXXXXXX XXXX. EST and, again the same day just before XXXX XXXX. EST.  If the answering machine picks up there is no message left.
We would like them to stop the repeated calls and hang ups.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw that on my credit report, I have XXXX hard inquiries, but XXXX of them are part of the time I was looking at financial institutions to purchase my car. I was told that the credit bureaus count multiple inquiries when shopping for a car as one inquiry on your credit report. Please remove XXXX of the hard inquiries and keep the last one with XXXX  XXXX on XX/XX/2019, as that was the financial institution I took out the auto loan with.
Product: Debt or credit management

I can't get into any of my accounts or someone is using them
Product: Credit card or prepaid card

I have been trying to dispute this cc for some time now, this is not my CC it has a balance over XXXX. I am a victim of identity thief. I called the company as well as the Credit bureau, and nothing have been done. This account has ruined my life as well as my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to know how you verified the following accounts when they are clearly inaccurate : Did you call the original creditor or just look at the information in your database? 

XXXX XXXXThis account was paid in full. This is inaccurate. 
XXXX XXXX XXXXI was NEVER late. This account is misleading XXXX   XXXXThis account is inaccurate. There should n't be a balance. 
XXXX XXXX XXXXThisdate of last activity is misleading. 
XXXX  XXXXI was never late. 
XXXX XXXXI 've never done business with XXXX nor have they responded to any of my letters for investigation, How are they certifying verification to YOU???? 
XXXX XXXX XXXX XXXXI HAVE NEVER DONE BUISNESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY ABOUT THIS DEBT!!! 
XXXXXXXX XXXX XXXXXXXX XXXXthe rating on this account is inaccurate. 
XXXX XXXX XXXXThis account is listed on my account TWICE ... ..TWICE!!!! Yet and still you refuse to remove it ... how is that possible or legal? 


I 'm getting tired of sending these disputes that the credit bureaus are not investigating, The credit bureaus need to be held liable for all the stress they are causing consumers to go through dispute inaccurate information on their credit reports. How is it that a collection agency can just place a collection on my report but i have to fight tooth and nail to get them to investigate. This is NOT right!!!!!!
Product: Credit reporting

This company continues to report incorrect information on my credit report that was XXXX and it is affecting my ability to obtain new credit. I have attached supporting documents.
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, 15 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 is the inquiry that is still reporting on my account : XXXX/XXXX-Date of inquiry XX/XX/XXXX
Product: Debt collection

Balance not accurate, previous address at XXXX XXXX XXXX was not properly turned off as of XX/XX/year>, also prior address was supposed to be investigated for illegal gas set up and it was not done due to negligence of company, so they charged my account and I've disputed numerous of times, ultimately leaving them to sell my account to a third party which is illegal under FDCPA - 15 U.S. Code 1692 & 15 U.S. Code 6801-6809.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

XX/XX/XXXX : I opened a Citibank Account Package : checking and savings accounts based on a promotion offer. The offer was for a {$500.00} bonus based on the following : " Eligible customers must enroll in the " $ XXXX {$500.00} Checking and Savings Offer '' promotion. Open a new qualifying Checking AND Savings Accounts. To get the {$500.00} bonus, customer must make a deposit of {$15000.00} XXXX multiple deposits allowed XXXX within 30 days of account opening. Account must maintain a minimum balance of {$15000.00} for 60 consecutive calendar days following the date the {$15000.00} deposit was made. Complete one qualifying direct deposit into the eligible Checking Account each month for two consecutive months within 60 days of account opening. '' " You will receive your cash bonus within 90 days after you complete the required activities. '' I successfully met the requirements, and this was verified by Citibank on several occasions : one where I called several months ago, one via chat in XXXX, and one today via phone. The first call said the {$500.00} bonus would be posted by XX/XX/XXXX at the latest. That did not happen. When I then chatted with Citibank via the website chat feature, they said they marked my account and I should receive the bonus but if I do not I would have to call. Today, XX/XX/XXXX, when I called, they said they would fill out another dispute form, but because there is no " promo code '' for the dispute form, both the call agent and I are skeptical the dispute form will result in success. The dispute form ID is XXXX. This can take up to 20 days, but this is unacceptable as the bonus should have posted XX/XX/XXXX. 

Citi breached the terms of the offer by not posting the bonus within 90 days of me successfully completing the required activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are being reported fraudulently the accounts doesnt belong to me an is violation of my rights under the FCRA please remove the accounts from my credit report immediately Ive sent you guys several letters police reports and identity theft reports and the accounts are still being reported please remove the account now thanks Account XXXX XXXX XXXX Account number : XXXX is being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate Remove account immediately off of my credit report sent letter to credit bureaus and havent got an response its been 70 Days. Thanks Experian Account XXXX XXXX XXXX  Account number : XXXX being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate, please Remove account immediately off of my credit report. sent letter to credit bureaus and havent got an response its been 70 Days. Thanks
Product: Payday loan, title loan, personal loan, or advance loan

-The company Im complaining about is Affim.com. 
-Affirm provides loans to people who want to make purchases and pay in installments. 
-I am not, nor have ever been, a customer of Affirm. 
-So far today I have received 8 text messages from Affim.com, text number XXXX, with confirmation codes ( all different ), as tho someone is trying to open a line of credit in my name. 
-I replied Stop as directed by XXXX, but texts keep coming. 
-I XXXX Affirm and contacted them by phone only to speak to someone in the XXXX . To assist me she requested my phone number, email, and DOB. I did NOT provide info. 
-Affirm rep said they are aware of scam and are working on it. 
-XXXX  them has shown that this issue has been reported numerous times for at least a year, yet it is still happening! 
-This company appears to have ZERO control over their security or texting. After confirming they would send no more texts ( after STOP request ), I received 4 more in just minutes. 
-I believe this company will provide a loan in my name to some scammer and I have no way to stop it. 
-Please help stop this company!
Product: Debt collection

This company is attempting to collect on a debt that is not owed.
Product: Debt collection

See attachment! 

XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Urgent : Compliance with Federal Laws Required for Account Ending in XXXX NOTICE TO CEO, CFO AND COMPLIANCE DEPARTMENT I am writing in response to your communication dated XX/XX/XXXX, regarding the alleged PRA account with the ending number XXXX. While I appreciate your willingness to cease communications per my request, I believe there are significant legal concerns that require immediate attention. 
Federal law 15 USC 1692c ( a ) explicitly states that a debt collector can not contact a consumer about debt collection without prior consent or express court permission. I did not provide such consent to Portfolio Recovery Associates LLC ( PRA ), and this raises concerns about compliance with federal law. 
In accordance with this law, I kindly request documentation that demonstrates the direct written consent, as required by 15 USC 1692c ( a ), for PRA 's communication with me regarding this alleged debt.

Furthermore, I am exercising my rights under Federal Law 15 USC 1692c ( c ) to refuse payment of the alleged debt and demand an immediate end to all communication, consistent with Federal Law 15 USC 1692c ( c ) ( 1 ). Confirmation of the termination of all collection efforts and the removal of account ending in XXXX from my credit report is expected. 
I am also deeply concerned about the violation of my consumer rights to privacy under the XXXX XXXX and the XXXX  activities committed under Federal law 15 USC 6823 ( a ) Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section XXXX of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. Your mention of purchasing my nonpublic personal financial information without consent or written authority is alarming. I urge you to provide me the FULL purchase agreement disclosure between PRA and XXXX XXXX bank regarding my personal information for my record in the event I have t file a Federal complaint. 
Given the recent CFPB lawsuit against Portfolio Recovery Associates LLC, as highlighted In link below https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-portfolio-recovery-associates-to-pay-more-than-24-million-illegal-debt-collection-practices-reporting-violations/ It is crucial that this matter be addressed promptly and compliantly to ensure my rights are upheld. 
I trust that a prompt and cooperative resolution can be achieved without escalation. This letter serves as my final warning before considering legal action to safeguard my consumer rights. I am hopeful that your response will demonstrate a commitment to resolving these concerns in a lawful and fair manner. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because Santander, XXXX XXXX  and XXXX has ignored my request for the documents their company used to to verify the account I have disputed. Being that they have gone past the 30 day point and can not verify this account, under Section 611 5.A of the FCRA- they are required to " promptly delete all information which can not be verified. '' that I am disputing. Please resolve this as soon as possible. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

The ONLY negative on my credit report is a late payment to Kohls Department Store. It happened recently and they showed one late payment 3 years ago as well. It is obvious by my credit history that I pay all my credit cards balances off as soon as I receive the bills. I do not and have never agreed to e-mail billing with Kohls. Every time I have called Kohls Credit Card Services, I explained to the Customer Service Representative I wanted paper billing, and they agreed to that. Each time I was aware of a balance due, I paid it off in full. The only time I missed a payment is when I did not receive bills from Kohls. Please refer to my credit history. I should not have late payments documented on my credit report when it was Kohls fault that I did not receive a bill in the mail where I would expect to find it. Please remove the late payment from my credit report.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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

ABSOLUTE RESOLUTIONS I XXXXXXXX XXXX XXXX XXXX Account : XXXX These companies registered their name with the CFPB multiple times under multiple names to avoid accountability and confuse consumers. Im tired of yall manipulating me.

15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting or other personal consumer reports

I CONTACTED THE COLLECTION AND CREDIT BUREAUS ABOUT THE SITUATION AND THEY DID NOT DO PROPER INVESTIGATIONS OF ALL OF THE CREDIT BUREAUS EXPERIAN, XXXX, XXXX, AND XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding the inaccurate and misleading reporting of a XXXX account XXXX on my credit report. Both TransUnion and XXXX have failed to address the specific violations under the Fair Credit Reporting Act ( FCRA ) despite my efforts to resolve this issue directly with them. 

The account in question is closed, yet it is inaccurately reporting as having a current late payment. This constitutes illegal re-aging of the account and is a direct violation of the FCRA, specifically : FCRA Section 623 ( a ) ( 5 ) : Furnishers of credit information must ensure accurate reporting of account statuses. Reporting a current late payment on a closed account violates this requirement.

FCRA Section 605 ( a ) : Credit bureaus are prohibited from reporting information in a way that is misleading or incomplete.

FCRA Section 611 ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct reasonable investigations into disputed accounts. 
Despite my formal disputes, TransUnion and XXXX have maintained that the information is accurate without properly addressing the illegality of reporting late payments on a closed account. This failure to perform a reasonable investigation has caused harm to my creditworthiness and financial standing. 

I request that the CFPB investigate the following issues : TransUnion and XXXX 's failure to conduct reasonable investigations into my disputes under FCRA Section 611.

SAFCOs illegal re-aging of the account and continued furnishing of inaccurate information.

The continued reporting of this inaccurate information has negatively impacted my XXXX XXXX and financial opportunities. I am seeking the immediate removal of this account from my credit reports and enforcement actions against the responsible parties. 

Thank you for your attention to this matter. I look forward to receiving a response confirming that this issue is being investigated and resolved.