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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

I have checking account at apple bank, branch XXXX XXXX New York. I have money in my checking account almost {$39000.00}. I want today to the bank asked them to make a certified check because Im buying a house. The manager there refused to make me the check. He decriminalize, because Im a XXXX i believe this is the reason, Im not a thief or anything. because he doesnt have a a right to hold my money. He is not the government or the court to hold it. The manager name is XXXX XXXX. I have the closing tomorrow and Im losing about {$6000.00} lawyers fees. Please help me to solve this matter and make this guy an accountable for his discrimination action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of ( 4 ) HARD INQUIRIES, extremely affecting my credit report during COVID-19 Pandemic. 
The dates are ( XX/XX/2020 ), ( XX/XX/2020 ), ( XX/XX/2020 ), and ( XX/XX/2020 ) on XXXX. 

The CARES ACT is LAW. ( SEC 4021 ) Any Creditor or Credit Bureau that does not fix any deferred missed payments reported to the credit bureaus are simply choosing to disobey the law and further action on your behalf can result in more issues than a company and/or credit bureau wants to deal with.
Product: Checking or savings account

My complaint is about a non-return of funds to my checking account ; an overdraft fee of {$35.00}, and an overdraft in the amount of {$24.00}, totaling {$58.00}. The problem that I am having is getting Wells Fargo to credit my account the {$35.00} overdraft fee, and the overdraft amount of {$24.00}, totaling {$58.00}. Prior to my going to my Wells Fargo branch to discuss this matter, the {$35.00} overdraft fee was posted ( visible ) on my online account ; but, for some strange reason, it is not showing ( visible ) on my online account today [ see attached ]. I hope Wells Fargo is not alleging that they never charged my account an overdraft fee. I find it extremely odd that the Wells Fargo 4-Page Account Statement has the {$35.00} overdraft fee on it ; where, my account statement does not [ see Wells Fargo 4-Page Account Statement ]. I have circled those transactions for your convenience. I can only speculate that the disparity in account statements would be intentionally misleading, deceptive, and an unethical business practice. Nevertheless, Wells Fargo should have credited my account in the amount of {$58.00} ; however you look at the situation. 

XXXX XXXX charged an unauthorized amount of {$310.00}, to my checking account, which caused my account to go into an overdraft status in the amount of {$24.00}. As a result of the {$24.00}, overdraft, Wells Fargo charged my account a {$35.00} overdraft fee ; thereby, dragging my account into a negative status of $ -XXXX. 

The matter was resolved by Wells Fargo ; where, the {$310.00} was credited to my checking account ; but, Wells Fargo neglected to credit my checking account for the {$24.00} overdraft and the {$35.00} overdraft fee. My point is this, had the unauthorized {$310.00} not been charged to my account, my account would have never gone into overdraft status ; where, Wells Fargo would have never charged me an overdraft fee ; therefore, it is only right that Wells Fargo also credit my account the {$24.00} of overdraft and {$35.00} of overdraft fee. My account would have had a {$290.00} positive balance had XXXX not charged my account with the unauthorized {$310.00}. 

Wells Fargo is not willing to credit my account in the amount of {$58.00}, which is the total from the overdraft ( {$24.00} ) and the overdraft fee ( {$35.00} ). I would like for my account to be adjusted and credited {$58.00} ; the overdraft in the amount of {$24.00}, and the overdraft fee in the amount of {$35.00} ; totaling {$58.00}. The company in which my complaint is about, is Wells Fargo. The people involved are the Wells Fargo bankers/representatives. 

On XX/XX/XXXX, XXXX charged my account {$310.00}, without my authorization. On XX/XX/XXXX, Wells Fargo retrieved the {$310.00}, by crediting my account ; but, neglected to credit my account the amount of overdraft, {$24.00}, and overdraft fee, {$35.00} ; totaling {$58.00}. 

Wells Fargo neglected to credit my account {$58.00}, XXXX XXXX, Wells Fargo Customer Since XXXX ( XXXX XXXX XXXX )
Product: Debt collection

I try everything in my power to result this issue I call I send dispute out to let them know that me personally I have never open this account and for them to come tell me that this account is accurate when I know its fraud at this time Im willing to do what ever and take the extra step to get this account removed of my report because its not accurate and fraudulent
Product: Credit card

On XX/XX/XXXX, I was charged for several items from XXXX that I never received but paid for through PayPal merchants. I informed the seller, XXXX, that I did not receive the items to which they never responded to my complaint ( s ). I reached out to PayPal to open up a billing dispute. My dispute was closed shortly after it was opened as PayPal was requesting me to make a police report to which I did not feel comfortable doing, I reopened the case on or around the XXXX of XXXX, and PayPal requested that I submit a complaint to the internet crime bureauXXXX which this complaint did not fall under, report it to the consumer protection bureau for my state or make a police report. On XX/XX/XXXX, I reported this incident to the Attorney General 's Consumer Division office and provided screenshots of said report to PayPal. On or Around XX/XX/XXXX, PayPal closed my billing dispute because I did not provide the requested documentation previously provided the previous month. I am reporting PayPal for inadequately investigating my dispute, and frivolously closing it on the basis on a lack of documentation which is not true. Additionally, I am reporting PayPal as I had provided evidence of the tracking information, and messages to the sellers from XXXX supporting my claim of missing merchandise.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
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 consuming rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A Status 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 convictions of which antedates the 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 or other personal consumer reports

XXXX is the number of my last complaint to Equifax. 
( Submitted to the CFPB on XX/XX/2024 ) I asked that all information on my report be investigated and verified due to incorrect accounts/information. I asked that if the information was proven to be incorrect that the accounts be removed from my credit report. I have stated that my name is XXXX XXXX XXXX. ( I have attached my legal name and address in the form of my I.D ). The Verification document i received from Equifax in the mail stated XXXX XXXX on some information and XXXX XXXX XXXX on others ( Confirmation # XXXX ). 

XXXX XXXX XXXX XXXX Balance/Schedule amounts on credit report attached below from XXXX are inaccurate with verification document ( # XXXX ) attached below. 
XXXX XXXX XXXX XXXX Balance/Schedule amounts on credit report attached below from XXXX are inaccurate with verification document ( # XXXX ) attached below. 
XXXX XXXX XXXX  XXXX The information doesn't seem to be verified extensively and this account appears to not be mines.
Product: Debt collection

On XX/XX/2014 account was opened. I went to the dentist but used my insurance which everything should had got paid for. I got a derogatory remark on XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

This item/account is unknown to me. Also, the information you provided on some item is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some item is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2008 Balance : {$20000.00}
Product: Mortgage

For the past 4 years I have been trying to work with XXXX and Ocwen, for a loan modification, by using Hamp. I have submitted over XXXX applications, only to be told after several weeks something is missing, or Paperwork out of date. Foreclosure sale date has been set XXXX. We filed chapt XXXX, to stop sale the first time. On XXXX XXXX XXXX XXXX XXXX contacted us to say that they had received our paperwork from Ocwen and that we were finally going to have a workout. Paid them {$1500.00}, payments to begin XXXX XXXX. Bankruptcy was discharged, 1. Because we did not feed it. 2. Ocwen never responded to the courts regarding payment plan, but since it looked like all would be resolved, we were not going to need it. We have no other debt. In the mean time another sale date had been set XXXX XXXX, only to find out the week before that Ocwen had no relation with XXXX, therefore we had been victims of fraud. As a pre caution, we filed ch XXXX again in order to stop the sale, because XXXX attorney nor Ocwen was listening to us regarding what had taken place over the last 6 months with XXXX. The night before the sale, the sale had been stopped. Ocwen asked that we re submit paperwork for loan modification, then was told that the off shore bank XXXX XXXX, would not except the Hamp program, and they were going to try to do this in house. We have been submitting paperwork for over 4 years, and they just are telling us, that this trust company would not accept this govt program, and that I needed to check with my state to see if I could get assistance. All in the mean time, fees, legal fees, interstest, principal balance continues to rise. We have now received a court document Assignment of Judgement, stating XXXX has assigned all rights to XXXX XXXX. Effective XXXX XXXX. We just want to pay our mortgage. But the arrears have become so high, we are so underwater.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, we had a flood in XXXX XXXX. Over 20,000 homes were flooded. The President declared it a National Disaster. As a result of being declared a national disaster, everyone who had a government backed loan i.e. XXXX XXXX was eligible for a disaster forbearance, in which they did not have to make payments for several months, but had to pay back every cent after the forbearance expired. Even non-government backed mortgages were giving this forbearance. Forbearance also meant that we would not get a late payment incurred or be reported late to the credit bureau. My credit report was reporting correctly until XX/XX/XXXX. In XX/XX/XXXX, XXXX decided to back date my credit report for the month of XX/XX/XXXX and state that I was 30 days late. I had forbearance until XX/XX/XXXX, however, I decided to catch up my payments on XX/XX/XXXX, mainly because I did not trust XXXX. They had already threatened to keep my insurance proceeds despite the fact that the flood damage renovations being 100 % complete. Again, it was promised to consumers that we would not be reported late due to the disaster forbearance. I had 3 other banks and 8 other loans that had the same arrangement, and yet those loans were not reported late. Several were not even government backed, so they had no obligation to give the forbearance. They gave the forbearance and held true to their word-no late fees or being reported late. I reported the issue to XXXX in XX/XX/XXXX and filed a dispute with the credit bureaus. The results of the credit bureau investigations just came in. Now XXXX is reporting me 60 DAYS LATE NOW! It just so happens that I applied for a refinance on one of my properties. I am in danger of not getting that loan now. And interest rates are rising, so this is my last opportunity. If I do get the loan, it will be a much higher interest rate because of XXXX 's incompetence. Or are they just being vile? XXXX has a history of reporting incorrectly payment history. I had issues with this last year and it took 5 months to correct it. I do not have 5 months. I may in fact lose my refinance loan if this is not corrected very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

TransUnion recieved my dispute on XX/XX/2021. There was no investigation opened nor was I informed of any results.
Product: Payday loan, title loan, or personal loan

In XXXX of 2018, Affirm put a late payment on my account. This was an auto-pay issue and the lender recognized this on their end. I made one last payment to close the account. They sent me a letter saying they received the payment and the loan was closed but never removed the late payment that was associated with this issue. It popped up on the credit bureaus and it shows it's in the collection even after I paid them. This has greatly lowered my score.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I logged into XXXX to dispute Collection accounts from third party collection agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I disputed the validation of these collection accounts. I wrote in every dispute " This company has not provided any documentation or proof of this alleged debt, please delete off my credit report ''. 

On XX/XX/XXXX I started receiving updates to these disputes claiming " has not been changed and will remain on your credit ''. 

I then disputed every single collection again from all credit agencies listed above with " If you verified this account as accurate, I need to see your method of verification on how you are reporting a collection. If you can not provide this, please delete immediately. 

I started receiving dispute updates with these accounts on the XXXXXXXX XXXX XXXX  claiming again that it is valid and will remain on my credit report. 

I still have not been provided proof of how these accounts are verified valid, nor have I received any purchase agreements, nor my original signature authorizing said collection agencies to collect said debts. 

The above listed collection agencies have also been calling me non stop. I have asked above collection agencies to stop contacing me through phone and please do so through the mail. If said collection agencies can not provide validation, with an original ( not photo copied ) signature the said debt is null and void under 15 US Code 1692c, 1692g, 1681e etc.

My next step is to write each above collection agency and serve them with a Cease and Desist letter, also including harassment and violation of my consumer rights. Under the FCRA Section 605b it is illegal to report anything without my permission.
Product: Credit reporting or other personal consumer reports

In my understanding, FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you kindly examine the documents? Some of the listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to XXXX and Experian on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either of the three Bureaus. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Mortgage

In XX/XX/XXXX I started a messy divorce at the time my mortgage company was XXXX XXXX. I called and asked that the extend my mortgage so I could afford to pay it without my spouse, they said NO. I didn't even ask for any discounts or forgiveness. I bought my house high {$360000.00} now worth XXXX with now forgiveness offered. I was in the middle of a short sale when my soon to be ex-husband claimed bankruptcy. Cancelling my short sale. I let the house go because no one would help me. I decided later that I was going to fight harder. I moved back into my home that sat vacant for 3 years. My mortgage was sold 3 times at least. I started this process with many services, XXXX XXXX XXXX ( one of the rudest companies ever ) and XXXX XXXX. Once we were close to modifying my mortgage was sold again. Now with Ditech, I had to wait a very long time to start a modification. I did all the leg work. I sent in all my papers in XX/XX/XXXX. My modification trial started, I made all my payments ( which I feel should be less, currently @ {$2500.00} ). They did say they were slightly behind and instead of 3 mos it could take 5 or so. Now here we are XX/XX/XXXX I am still without modification papers, all payments made. I call there teams, its like speaking to a new employee ever time. Their loss mitigation dept does not speak to their foreclosure dept. Also in XX/XX/XXXX, the foreclosure dept sent my attorney Modification papers saying I neglected to sign them and if I didn't do it immediately the deal was off. I signed and forwarded and then called loss mitigation and said you never sent me papers and they stated the attorney should have never recieved those documents and they were invalid. I called this am, XX/XX/XXXX, I was now told they finally received the title chain they needed and were working on my papers ... ... Which may take 30 more days. I stated this is now unacceptable. These mortgage companies hold people hostage, make you feel like you are an irresponsible person ( which I am not ) and as if I am some how the only person to be held accountable. This system is outrageous, WHO PROTECTS ME????????? 
I have a book with dates and calls and there were so many I stopped writing them all down, I have papers and papers I have worked on, at what point does someone protect me and people like me. I am not looking for a free ride, I have work hard my whole life and just want this process laid to rest. I am disgusted the government has not done more to help those responsible people who just had an unfortunate situation. I should be protected from this process, am I?????? 
If you need all my documents tell me where to mail it, its way too much to attach here.
Product: Credit reporting or other personal consumer reports

In all my credit bureaus ed financial has showed late payments when they werent late. I was doing a loan consolidation and they put me as having XXXX loans and late back XXXX  when it was the customer service rep fault. Anyway come till this year. I received a borrowers defense loan forgiveness and according to student .gov all negative history must be deleted. I have disputed these acct and they wont delete off my credit report. I have worked really hard not to have anything negative in my report and have good credit. Ed financial took my late payments when it was from fed financial and when the goverm changed the loans all around over and over doing covid. I want my history wiped out as states by law.
Product: Credit reporting

i checked my credit number and i nocticed that i had stuff in my name that can not possibly be mine
Product: Credit reporting or other personal consumer reports

These accounts contain incomplete and inaccurate information, which violates my rights under the FCRA and the FDCPA. The FCRA, specifically sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ), mandates that consumer reporting agencies, like XXXX, maintain accurate and complete information in consumer reports. Additionally, the FDCPA, under section 807 ( 8 ), requires debt collectors to provide accurate information about debts they are attempting to collect.I expect prompt action to rectify this situation and await confirmation of the removal of the aforementioned accounts from my credit report. 
XXXX XXXX : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXXXX/XX/XXXX {$0.00}, XXXX XXXX- XX/XX/XXXX {$0.00}, XXXX {$0.00}, XXXX- XX/XX/XXXX {$0.00}. XXXX : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX- XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX- XXXX {$0.00} XXXX XXXX- XX/XX/XXXX {$0.00}. 
Equifax : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX- XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX {$0.00}, XXXX- XX/XX/XXXX {$0.00}.