23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I'm not sure where to start, but since XX/XX/XXXX I have had XXXX and XXXX XXXX from XXXX XXXX at 21st Mortgage harrassing me. I currently have a mortgage through 21st mortgage and the customer service is terrible, everytime I talk with someone there to discuss my issues all they do is yell, belittle and talk over me. I have tried to contact the top management several times but keep getting the run around. This company is very harassing and something needsto be done. They threaten and tell me there is no grace period on my account and if it's due on the XXXX then it's already late on the XXXX, saying they can foreclose on the account. I'm trying to get a loan with my bank but in the mean time, the harassment at this company need to stop. On XX/XX/XXXX I had a call from XXXX and we discussed my payment plan, she told me to hang on while she document the account and she comes back to the phone with XXXX XXXX on the line. He starts yelling asking me what did I do with my pay from my paycheck and why can't I pay my bills on time. He even went as far as telling me that he knows what day I get paid and what time I get off. I tried explaining to him that his information was I incorrect and all he did was yell over me and over talked me. Yes my account for XXXX is due and I already told the company, XXXX to be exact that I had applied to the XXXX XXXXXXXX XXXX XXXX for help. XXXX however doesn't listen and belittles people. At this point my XXXX payment was due XX/XX/XXXX and I told him if the rescue program didn't respond that I would make a payment the following week. He proceeds to still yell and ask what did I do with my paycheck from the last week. XXXX has no right questioning me on where my money goes, his only job is to ask when I can make a payment and document it. XXXX says that I will have to pay both XXXX and XXXX which was just due XX/XX/XXXX. I told him I'll take care of XXXX but XXXX payment just became due and to give me time. He stated that I will take care of both months or he threaten to hang up and send paperwork to foreclose on my house so I would lose it. He think everyone is an XXXX and he need to be fired. He can't go around harassing people, he doesn't own 21st Mortgage. At this point I have been harassed and I feel like the stress XXXX has put on me has caused many issues with my health. I called on XX/XX/XXXX evening and spoke to XXXX, asking him to transfer me to a XXXX over XXXX. I was given the run around and basically was told " she was gone ''. So i asked by gone what do you mean? Is she gone for the day or for good. He sat quiety for few seconds then said that he worked along side XXXX and was there anything he could do. I told him again no i wanted to speak with XXXX mamager and then XXXX said she's gone for the day. So i asked him to place a note and have the manager return my call.There is no way that the state laws allow people to be threaten and harassed like I am. I plan to contact the Attorney General office for further advisement.
Product: Checking or savings account

I opened the acct. I told them that I am currently overseas for work so I do not have access to my US phone, they said to use a temp one so I used my moms. Now after they opened my acct, took in the money to fund both savings and checking they locked it for fraud. After having to get up in middle of night to call them, they refuse to close it or unbock it unless I do a telephone pin verification. They wont reverse the wire to the act I funded it with, they will not issue a check or unblock the acct. They are just holding my money hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for your response to complaint number XXXX. In your response you did not acknowledge the part of the law you are in violation of. SELF IS REPORTING EXPERIENCES between their company and me the consumer as late payments. EXPERIENCES ( late payments ) ARE EXCLUDED FROM THE CONSUMER REPORT. 15 usc 1681a ( 2 ) ( A ) ( I ) states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided both Equifax and   XXXX   with police reports and affidavit from the FTC they have stated the information provided was not good enough to investigate these accounts. I submitted documents in accordance to the FCRA and they have refused to adhere.   They are stating that the police report or affidavit has t o be signed by an officer, when the police department has accepted the report and provided a verifiable police number online . If the CRA is doing a proper investigation they will be able to verify the police report number through the  XXXX  Police Department.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute letter dated XX/XX/XXXX. Please be advised, this is the second written request you have received. Under Section 609 of the Fair Credit Report Act ( FCRA ), I requested that you provide physical verification of the originally signed consumer contracts for any and all accounts that are currently being reported on my credit file. 

Specifically, I requested the following : 1. A copy of the original contract bearing my " wet ink '' signature for each account that is currently being reported on my credit report.

2. Physical verification that any and all accounts in my name were initiated by me with my full consent, and that you have the necessary documentation on file to support this. 
Under FCRA Section 611, if proper verification can not be confirmed, inaccurate information must be removed. To date, I have not received sufficient evidence that the disputed accounts have been properly verified or that the credit bureau conducted a thorough investigation. 
Additionally, under the FCRA Section 617, reporting inaccurate or incomplete information is a violation of federal law. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer. I am a litigious consumer that fully intends on pursuing litigation if this matter is not resolved promptly. 
To reiterate, the disputed items are : XXXXXXXX XXXX XXXX Account Number XXXX Date Open XXXX XXXX Balance {$430.00} XXXX Account Number XXXX Date Open XX/XX/XXXX Balance {$0.00} XXXX Account Number XXXX Date Open XX/XX/XXXX Balance {$94.00} XXXX XXXX  Account Number XXXX Date Open XX/XX/XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX XXXX XXXX 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 instruction. 

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 XXXX 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

For about 6 months, I have been disputing an collection account placed with the credit bureaus by XXXX XXXX XXXX , XXXX. 

This is not my debt. I have previously called the public phone number for XXXX XXXX XXXX and explained that I am not going to pay a collection that is n't mine and to remove the fictitious report from my credit report. The debt collector hung up on me. 

I have disputed with Experian and XXXX and they have still not removed the account from my credit report. 

I have filed a CFPB complaint ( # XXXX ) against XXXX XXXX XXXX and their response was they will be requesting validation and send it to me. 

In the meantime, they are tarnishing my credit. 

CFPB please help me. This company must be investigated for these illegal acts. They are ruining my credit report. XXXX XXXX XXXX is responsible for me being denied for a credit card solely based on a collection account they reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Capital one bank XXXX  highest balance {$310.00} and highest balance {$310.00} i have 3 late payment on both credit breaus and the credit breaus will not remove it from my credit report .also XXXX XXXX  XX/XX/2019 XXXX  and XX/XX/2019 XXXX  will not remove the late payments off my credit report neither.I tried getting those removed with dispute letters but they still would not removing those my credit report.
Product: Checking or savings account

On XX/XX/year>, XXXX fraudulent charges were made with what I presume is a cloned version of my debit card in the amounts of {$500.00} and {$340.00} at a XXXX in XXXX XXXX XXXX, Florida. On XX/XX/XXXX ( as soon as I noticed the charges ) I contacted Wells Fargo and informed them of this issue. They sent the claim to their fraud department and said theyd contact me in maximum XXXX business days. Today is XXXX business days and no one contacted me. I proceeded to contact the bank today and they informed me my claim had been denied as the fraud department determined I had made the purchase because they confirmed the chip was used. This is impossible. In fact, I can prove it. I have receipts of other purchases I made on the same date showing I was in XXXX, Florida the whole time. XXXX, Florida is my place of residence. I have not been to XXXX XXXX XXXX, which for reference is XXXX hours away from where I reside. So how is it possible for my card to have been in XXXX places at once? I insisted and explained to the agent that it is impossible, absolutely impossible that I made that purchase. Not only because it wouldve been impossible for me to be at the location, but because I do not frequent XXXX. Ever. Let alone a XXXX XXXX hours away from my house. They refuse to return my money. I did NOT make that purchase. Someone stole my credit card information somehow and scammed me. Wells Fargo is doing nothing. Theres plenty of other authorized transactions in my account that prove I was in XXXX the whole time ( I have attached a receipt of a purchase I made near my house on the same day ). I even contacted the XXXX where the fraud took place and they confirmed the transaction receipt shows the purchase was made only an hour from my next purchase in XXXX. I need this issue resolved. Almost {$900.00} are missing from my account. And Wells Fargo is doing nothing. Im a mother of a XXXX XXXX and have bills to pay.
Product: Credit reporting or other personal consumer reports

First and foremost, I assert that my right to privacy is of utmost importance. This dispute letter serves as my enforcement of that right. Under 15 U.S. Code 1681 ( a ) ( 4 ), you bear the full responsibility to " exercise your significant duties with fairness, impartiality, and a respect for the consumers right to privacy. '' I am invoking this right as outlined by the code. Please ensure the following information is treated with the highest level of fairness, impartiality, and respect for my privacy.

In accordance with 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized this company to access my information. They are in clear violation of this law. I request that these accounts be removed from my credit report as they are damaging my reputation, character, creditworthiness, credit standing, credit capacity, and more. Given your obligation to protect my privacy, I require that this issue be addressed with the utmost urgency. 

XXXX XXXX
Product: Debt collection

I don't know this account I try to dispute items want remove from my credit
Product: Consumer Loan

After filing an initial complaint regarding how Santander would not accept my payments, I filed a complaint to get help from the CFPB. They responded and ignored the complaint. Since then I have been working with them trying to figure out why I have so much additional interest being paid on my account. Tonight I found out that they would not except my payments in XX/XX/XXXX, and rolled the balance due in XX/XX/XXXX into XX/XX/XXXX. So now I do not know anything from XX/XX/XXXX or XX/XX/XXXX but I owe {$810.00} on XXXX/XXXX/2016. My standard monthly payment is XXXX. Not only are they charging me additional interest but now they are extending the term of my loan that I did not approve of or accept. this is a separate complaint but it is based off of the first complaint as the second complaint it is regarding retaliation by Santander. They continue their corrupt and predatory business practices and I 'm once again left with no option but to reach out asking for help to someone who can make them respond. tonight after trying to understand what they did XXXX the representative disconnected the chat and is now blocked me from chatting with them any further. Please Help!
Product: Checking or savings account

I opened an account online with Wells Fargo for their new account bonus offer. That was XX/XX/year>2024. I completed the terms of the agreement. According to their terms, I should have been paid the bonus by the XXXX of XXXX. Still nothing. Theyre refusing to give it to me.
Product: Student loan

I called to review my repayment options. The person I talked to said I had to contact a " third party '' or I could apply for a interest rate reduction for 12 months if I qualified for financial hardship. I ca n't afford {$300.00} a month to Navient when I have federal loans to repay too. And the rest of my life to pay for. It 's not hardship, I 'm just realistic. I know Navient has repayment plans and options for private loans but the guy I talked to could n't tell me what those options are. And could n't tell me what I 'm contacting a " third party '' for and who this " third party '' may be! Really!? Navient is this HUGE company and they want to push business to a " third party '' instead of working with me to figure out something that works. I 'm paying {$300.00} towards interest. I have n't made a dent in my loan and my balance keeps growing as my interest rate is flexible.
Product: Checking or savings account

I was scammed, i was trying to buy a puppy and the scammer ask for my information I had XXXX taken out of my account. XX/XX/2021 zelle payment. I calle my Bank and I received response today they will not do nothing I had my account for 11 years and never had this issue. I have reached out to the media.
Product: Credit reporting

Credit Bureau added back on inquiries to my credit profile that were not on there. I had a fraud protection placed on my account and XXXX XXXX said that it was deleted after 90 days where as I initially put in on their for an indefinite period of time in XXXX 2016. I asked them to provide me with the documents that warrant them publishing this information on my credit file and they said they do n't have any documentation. Thus all inquiries below should be removed from credit profile. 
XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX  # XXXX - IDENTITY THEFT POSSIBLEXXXX  # XXXX - IDENTITY THEFT XXXX XXXX XXXX # XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system XXXX XXXX. 2024 XXXX XXXX in The XXXX XXXX XXXX Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my XXXX, Equifax, & XXXX credit reports. Please delete ALL of the Following : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$2600.00} XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$750.00} - XXXX XXXX ) XXXX XXXX XXXX ( XXXX Accounts ) {$580.00} & {$980.00} - XXXX & XXXX XXXX ) XXXX XXXX {$380.00} - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) 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.

( CREDITOR NAME ) 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$8900.00}, {$12000.00}, {$4000.00}, {$10000.00}, {$5200.00}, {$10000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- PERSONAL ACCOUNTS -- 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5200.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.
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 : XXXX  XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian 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 Experian 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 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.