23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX
Product: Bank account or service

Hi. 
Tha complain is about Loan Care Bank where my mortgage company is after XXXX XXXX XXXX sold it to them. The thing is that I sent my payment on time from NY to PA that is their payment center and have passed 12 days and they said that this payment has not received and now came new month and I went to their website to check if the payment was receive and appears a note that says that my account is 30 days past due!! But I was reading reviews and I am not the only one that happened also they do not post the monthly statements on time. Now my credit score will be low just for something like this.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention concerning issues I have encountered as a long-time customer of Wells Fargo for over 30 years. It appears that there are instances of predatory banking practices that warrant further investigation. 

On numerous occasions, I've experienced overdrafts, often coinciding with delayed deposits or what seems to be a deliberate holding of drafts to trigger overdrafts in my account. Additionally, Wells Fargo has acknowledged errors on their part, refunding charges only after my intervention. Without my proactive steps, these charges would have remained unjustly imposed. 

I am deeply concerned about the potential harm caused by such practices and believe that federal oversight is necessary to prevent similar instances from affecting other customers. I kindly request a thorough investigation into Wells Fargo 's banking practices to ensure accountability and safeguard the financial well-being of its customers. 

Thank you for your attention to this matter.
Product: Mortgage

My wife and I got divorced and were forced to sell the house due to financial issues. The sale is a short sale as we owe $ XXXX and the house is only valued at $ XXXX due to the economic situation in our area. We put the house up for sale on XX/XX/XXXX and finally received an offer on XXXX. We are currently XXXX months into the short sales process and should be closing in the next XXXX days. On Friday, XX/XX/XXXX, I received a letter from the XXXX mortgage company, Bank of America, informing me that our mortgage was being sold to XXXX XXXX on XX/XX/XXXX. We have done a lot of work getting the short sale process completed, but we may have to start the process all over again with XXXX. My concern is that I may lose my buyers. They have been very patient and understanding but this may take another XXXX days and they can not wait that long. I am currently XXXX months delinquent on my XXXX and XXXX mortgage, and foreclosure is a real possibility now. 
Is there any help I can get for this issue? My XXXX mortgage is with XXXX and I have had no issues with them at this point.
Product: Checking or savings account

In XXXX they were saying that a bad check was past. They never disclosed an amount. They never told me where the transaction happened until XXXX. I filed disputes with Bank of America twice, one in XXXX and one in XXXX of XXXX and that is when they told me that the bad check was for {$1200.00} and it was cashed in XXXX, Illinois. After they disclose that information they closed the account and told me that I had to pay for the bad check. Basically hindering from doing any other type of banking activity. Whenever I call to dispute the check they give me the runaround and refuse to give me any documentation that I am the one who cashed the check.
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 right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX These accounts are violating my rights. 

15 U.S.C. 1681 section 602 ( A ) states that I have the right to privacy.

15 U.S.C. 1681 section 604 ( A ), section 2 states that a consumer reporting agency can not furnish an account without MY written instructions andor consent.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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

On XX/XX/XXXX, Southwest Credit Systems called a total of 8 times on both personal cell phone and house phone. The person who they are looking for is in the hospital and is not available to speak but rep continued to hang up instead of hearing situation On XX/XX/XXXX, same issue kept occur when answered. Rep will not speak with person who is handing this issue in honor of the person who they claim owed the debt, very aggressive and rude and hanging up on us
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below violate my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022 and 15 U.S.C. 1681 ( a ) ( XXXX ). Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

A few months ago I received a letter stating that I would no longer be receiving statements by mail and that everything would need to be online. I called XXXX to ask why I got the letter and that I wanted to get my statement by mail and they told me that I would be charged an administrative fee. I asked that they send me that in a letter. I never got the letter, and when I got online to check my statement and called them again to see why I wouldn't be receiving my statement by mail, I was told again that it was a charge to get a paper statement. I can't find anything online, nor did I agree to this. Now I have received 2 payoff quotes within a months time and they are charging me {$60.00} for those. I never asked for a payoff quote, and have contacted them 3 times and every time I call them they either disconnect me, or I can not understand a word they are saying.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received an email starting my email was removed from my XXXX XXXXXXXX account. Mine later XXXX then sent an email that a loan was taken out via XXXX XXXX XXXX I started a chat with credit karma to close the fraudulent account, but they will not investigate who hacked them and used my data to get a loan. I asked for this information to be pushed to the hiring up so that they are wear of the back and fraudulent loan.
Product: Money transfer, virtual currency, or money service

Wired money on XX/XX/2023 internationally and apparently the money was not deposited in the account given to the bank. I tried to make a recall and the bank did, but the money is not being returned to my account. It was a scam and the bank will not do anything else for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts ( DEPT OF XXXX / XXXX ( Opened XXXX XXXX, XXXX, Balance {$2500.00} ), XXXX OF XXXX / XXXX ( Opened XXXX XXXX, XXXX, Balance {$5100.00} ), XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$1100.00}, Original Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$1900.00}, XXXX XXXX XXXX XXXX XXXX BANK ). XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$4300.00} ), XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Credit limit {$500.00} ), XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

These accounts are not mine I was a victim of identity theft so I contacted the local police department and was afforded a police report to have these accounts removed from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well XXXX  complaint # XXXX Id theft report # XXXX affidavit of truth also submitted to consumer reporting agency Inquires Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX
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 XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries on my account are inaccurate, I never shared my information with these companies. Please, delete these inquires from my credit report, they are affecting my credit history and consumer reputation : CAPITAL ONE BANK USA Address Date of inquiry XXXX CAPITAL ONE XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/XXXX
Product: Credit reporting

I am filing a complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they has gone pass the 30 day given and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA- they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank You
Product: Money transfer, virtual currency, or money service

I Sent money to an incorrect person back in 2017 and I was told nothing could be done.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX XXXX XXXX XXXX # XXXX and LVNV Funding # XXXX numerous times concerning the Per Federal Law, to complete 30 days to complete a investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ), to verify through physical verification of the original signed consumer contract and / or judgments. I have sent certified letters and never received the proper documentation that I request from XXXX XXXX XXXX # XXXX and LVNV Funding # XXXX, that are reporting on XXXX, XXXX and XXXX. I have enclosed the documents that I mail out to the bureaus. If they can't see me the documents, please delete from my credit reporting.
Product: Consumer Loan

Myself and my grandfather had a sales contract for a 2014 XXXX, of which we fell back on payments due to outstanding reasons. We were XXXX payments behind and had contacted our lender in order to arrange a full payment of the past due amount to be paid along with the next payment. The day the check arrived, a repo company showed up at my home to repossess the vehicle. The repo man knocked on our door to find that my wife answered, he proceeded to ask if I was there and she told him no. At which time he forced the door open and entered my home. Our XXXX service dogs attempted to protect my wife by becoming aggressive towards the man. my wife had to pull a XXXX handgun on the gentleman to make him leave the home. Once he did he proceeded down stairs where they were hooking our car up to a " repo '' vehicle. My wife warned them that the hand brake was applied and she was willing to provide the keys to the vehicle. The XXXX men refused this and began to drag the car, at the same time my wife attempted to record the ongoing confrontation but was prohibited by XXXX of the repo men by him slapping the phone out of her hands and to the ground, shattering the screen. About this time I arrived home and found my wife in complete disorder and she showed me how far the car had been drug, which was about XXXX yds away from its original position. During the time that they dragged the car they blew the parking rod and dropped the transmission and let debris, skid marks, and fluids all over the parking lot. Next I attempted to ask the men to allow me to retrieve some sensitive information out of the vehicle and to obtain the vehicle 's license plate to return it to the XXXX. They denied my the right to take the tag and made me sign a blank document to retrieve my valuables out. After the " repossession '' was over myself and my grandfather contacted the financing company and told them what had happened, we received no answer from them and were told we would receive a call back ASAP. During this time I called the check writing authority and they informed me that the check was about to be cashed at which time I instructed them to cancel the check because there was a breech in my agreement with the financing company. We never heard from them until bout XXXX months later by being served papers to appear in court and we owed them a large sum of money. After further review of the sales contract we found that they may repossess the vehicle but must due so peacefully and within the limits of law, which they did neither of these.
Product: Debt collection

Diversified Adjustment company has already been contacted concerning a debt they were trying to collect on. I was able to prove that the debt was not valid. They stopped all attempts to collect and they removed the debt from credit reports. Now today I got a notification from XXXX XXXX stating that a collection from Diversified Adjustment was just added to my credit file. I want them to remove this collection account ASAP because it was already proven invalid. This collection agency is in violation of my rights as a consumer and I will take legal action if this matter isn't taken care of immediately.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX on XXXX shows as 30 days past due and on Equifax as 60 days past due. In XX/XX/XXXX, XXXX shows as 60 days past due and on Equifax it shows as 90 days past due. In XXXX of XXXX XXXX is reporting me as 90 days past due and In XXXX of XXXX XXXX XXXX  is showing me as 60 days past due but says the last payment was received in XX/XX/XXXX and then in XXXX and XXXX of XXXX, the past due days jump to XXXX. On Equifax in XX/XX/XXXX, its reporting as 120 days past due and in XXXX of XXXX, it drops to 90 days past due with the last payment being made in XXXX of XXXX and then it jumps to 150 days past due in XXXX and XXXX of XXXX. On XXXX XXXX late payments are reported. This inaccurate and inconsistent information and XXXX XXXX is direct violation of the FCRA and CFPB regulations. Please remove this from my credit immediately and I am also requesting {$1000.00} for each violation. I have disputed this account on several occasions with the credit bureaus as well.
Product: Credit reporting or other personal consumer reports

XXXX Equifax and XXXX does not truly look in to my disputes. I show proof of the incorrect information and they either ignore or deny the responsibility. I have called and finally after repeating my S.S multiple times and waiting for hours to a response of being sent to incorrect department just to finally be told they can not do anything about it. Here lately I received my dispute by the next day or XXXX only to told its verified and updated. Im reaching out to CFPB for help. XXXX Equifax and XXXX is absolutely not for Consumers. The phone number they ( XXXX ) list only offers you to change your freeze. If you ask to speak to a representative will only leave the option of a repeat computer response.Transunion expects you to pay for your own credit score? How is this legal? XXXX only allows XXXX dispute until they are completed with the other. These XXXX bureaus are running a sham and should be against the law for them to treat consumers this way. Reaching a representative at XXXX is just as bad. Each one of these bureaus has received my disputes over the last couple of years. XXXX XXXX XXXX also has ignored my disputed proof only to be told sorry for the mistake but only to see nothing has been done to correct. I have been denied loans because of these companies reporting incorrect information.
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. 

XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX XXXX : Acct # XXXX XXXX XXXX : ACCT # XXXXXXXX XXXX  : ACCT # XXXX Dept of Education : ACCT # XXXX has violated my rights. Please remove all of these.

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 an 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: Mortgage

My mortgage company went from XXXX to XXXX XXXX XXXX to Green tree and has been nothing but Inconsistent communication. As I have tried to establish some form of reasonable payment I have been tossed around like trash. If I was given different deadlines and always tried to reach them, leaving messages asked for a return call. It never happened. My payments were anywhere from XXXX down to XXXX and XXXX with ARM of XXXX % interest. This has been all over the place from the start, My home has been underwater for some time now, My husband and I have even walked from the home after filling Bankrupsy back in XXXX and returned after a year and half when given false hope the bank would work with us, not to mention the company that they had monitoring our home when we left, appeared to have taken all the copper piping. When Green Tree sends you paperwork, often you will recieve several copies from basic mail, XXXX, Certified. With messages to call, or will have unidentified people walking around your house snapping pictures and leaving notes on your door to URGENT! call Green Tree, and when you do, end up leaving messages with no return. I do n't want to loose my home, but this company is not really there to help. This process has taken my trust, my money, my serenity, with no desire to help ones that need it most.
Product: Credit reporting

I would like to complain against XXXX, Transunion, and XXXX. This company XXXX XXXX put a XXXX inquires on my credit report. XXXX for XXXX, and the other XXXX for XXXX. XX/XX/XXXX and XX/XX/XXXX. They are calming that I did not pay XXXX and I had a dog that died. I called the company and cancel service, and was told that they were sorry for my lost and all I needed to pay was my cost to get my dog cremated and that was what i did. I really want this removed from my credit report.