23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XX/XX/year> my mortgage company XXXX XXXX XXXX XXXX ) tired to charge my bank account using auto pay and due to an error on the bank ( that just got purchased by another bank and was making changes that caused issues ) my lender did not report to me that payment was not accepted by the bank until after 30 days, at which point they have already marked my credit report with a 30 days late issue. 

I have then resolved this issue with the bank and the lender which reinstate my account to good standing but apparently did not correct the 30 days late in the credit report. I discovered this a year later when I got my credit report. I ask them to correct this, and they said I can only fix it by asking the credit agencies to correct it via a dispute. I have submitted a dispute and got a response back from Experience and Transunion. Both reports indicate that something was corrected but do not indicate what it is, but also indicate that the 30 days late item was not corrected but did not explain why. 

When I asked them about it both told me to go back to the lender and have them fix it but the lender says no, the credit agencies have to fix it. They are both refusing to help.
Product: Debt collection

On XX/XX/2023 requested Hunter Warfield to only contact me in writing. Provided correct mailing address and have yet to receive anything. 

On XX/XX/2023 Hunter Warfield reported collection activity to the credit bureaus against myself and my wife in the amount of {$710.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to retrieve my credit score from Experian for the past 2 weeks to no avail. I have attempted to retrieve my score online and via phone. Finally, today ( XX/XX/2019 ) an agent was helping me. She asked me at least 8-10 identifying questions and said " ok '' as though she had what she needed to assist me ... and then hung up on me. I tried calling the company back and told the next representative that I would like to speak with a supervisor. He then asked " why? '' and I told him how I was trying to get my credit score and  continued with what happened with the previous rep. I asked to be connected with a supervisor twice, he then attempted to connect me only for me to get hung up on again. My issue with Experian is how can you represent America 's credit, yet have it mandatory for us to speak with everyone around the world. There isn't a direct way to gain sufficient support from the Experian and when you do get in touch with a human being, they're from XXXX XXXX or somewhere around the world. And then you advertise to watch out for the dark web, where individuals buy/sell your information. I have nothing against those hired, however, I do not understand your lack of concern when allowing Americans to share the pertinent information that makes them vulnerable. I do not appreciate a representative taking my information from another country and then hanging up on me without attempting to call or email me back to apologize for the disconnection. Due to that, I feel this was intentional.
Product: Debt collection

Rental property owner died, they gave no notice to any of the XXXX tennants, they were pocketing our rent, not fixing any of the maintenance issues, a trust company stepped in to oversee the property without proper notifications, then they asked people to move before the new owners took ownership, and we did..we were told there would be no balance since the property owner had not taken ownership as long as we moved.
Product: Mortgage

I submitted an EFT form to PNC Mortgage XX/XX/XXXX authorizing monthly electronic mortgage payments to be made commencing XX/XX/2017. I highlighted the date that this process should start and PNC Mortgage failed to process the form correctly. PNC Mortgage electronically took the XX/XX/XXXX mortgage payment out of my checking account on XX/XX/XXXX. PNC Mortgage told me that I would have to wait one week to get my money returned by mail once PNC Mortgage received a letter from my bank guaranteeing the funds that PNC Mortgage already has taken from my account prematurely. I made my XX/XX/XXXX mortgage by mail and it was paid on XX/XX/2017. I was told by customer service that my next payment is due XX/XX/XXXX. This is an undue hardship for me and I want reimbursement for the overdraft fee of {$36.00} that my bank is charging me and well as my payment of {$650.00} electronically transferred back into my account immediately PNC Mortgage refuses to EFT my account for their taking of my money prematurely. This is money I need now to pay other bills and PNC Mortgage will only operate their way and I think it is outrageous that it can prolong reimbursement to a consumer for an overpayment of a mortgage payment especially. It is n't like it 's a {$25.00} charge ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, XXXX XXXX XXXX, XXXX, Transunion, XXXX. I have submitted theft /fraud affidavit to each of you as well as police report. Back in XX/XX/XXXX someone stole my identity that lived in XXXX XXXX Nevada. Until this day I am trying to regain my ctedit back. I noticed the XXXX loan on my credit report. Now I actually thought this was from XXXX XXXX where I purchase my vehicle. I am requesting more information on this " online loan ". Who get a online XXXX loan? Sounds fishy .well it was n't me. I believe my son girlfriend who moved in with us in XX/XX/XXXX open this account up in my name. I trusted her like a daughter she ran errands where I gave her my debit card. She paid bills. She is the only person that could have open this fraudulent account in my name. I plan on pressing charges and prosecuting her to the fullest extent. I am requesting any and all information provided to XXXX XXXX be mailed to me. I am asking XXXX XXXX to review my police reports and see I am indeed a victim of identity theft. There was a auto loan, and 3 personal loans in my name in the state of Nevada. Now there is another loan. With XXXX. I am asking a FULL and thorough investigation and i am asking for a full removal from my credit file. I will mail all supporting documents to XXXX XXXX XXXX XXXX To all 3 credit bureaus this is again FRAUD and I am requesting immediately removal after investigation. There is a fraud affidavit and police report already on file with each bureau please investigate this matter thoroughly. What I have gathered from google search is that XXXX XXXX operate online. How was someone able to obtain this online loan in a different state. From Georgia? I plan on hiring a Attorney if this matter is n't remove from my credit file because it was n't me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following inquiries on my report. I do not recognize these inquiries. They were not authorized. I have contacted Equifax but they refused to remove the inquiries. They are negatively affecting my credit report and I want them removed. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # [ Account Number ]. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation.

According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA.

Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law.

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Product: Checking or savings account

I signed up for Citi new checking account promotion that stated you needed {$50000.00} for 3 months and receive {$700.00}. After 5 months, I called several times and finally was told that they will not honor the promotion and tried to say it wasn't targeted at me??? At the time, I called and spoke with a representative from Citi bank who assisted me in setting up the account under false pretenses. 
Then when I tried closing the account, they wanted to charge me to get my funds back. This is outright false advertising and criminal behavior. Citi bank should be ashamed of themselves. Hopefully, you can warn people of their predatory practices and lack of honor in backing their promotions. This is my first time filing a complaint. Thank you for listening!
Product: Bank account or service

Hello! MNy name is XXXX XXXX XXXX, I wish to make a complaint against Direct/Express Financial Institution. I have been a customer of theirs for for about Two-and a-half years. They issue me my retirement Social Security which is {$980.00} per month. 
When I signed up I distinctly remember signing and checking the box in which they asked if I wanted Direct/Express to mail my statement to my mailing address. I said " yes ''. Nevertheless, they finally began mailing my statement around XXXX, XXXX. The clerk said I did not tell them to mail my statements. I, just about know I did. 
Also, Starting XX/XX/XXXX or XX/XX/XXXX, I 'd run out of cash during the middle of the month. This month I received my Cash on my card on Friday, XXXX XXXX, XXXX, and was out of money by XXXX XXXX, XXXX, which is very unusual for me. 
Also when my statement shows and error charge, The bank clerk transfers me to the " Disputes '' department. Which takes about 20 minutes to reach, and they ask what the problem is, and I tell them, and then they say they will mail me a questionnaire for more details. It takes approximately 3 months, or more before my account is credited. Most of the time it is not. Direct Express, I believe, keeps that money. Since have not received much of it. 
Last, but not least, their statements are not logical or reasonable ; the balances for each transaction is " {$0.00}. It 's hard to subtract the costs. etc. 
Sincerely, Card- Master Card, Card number, XXXX Debit Card Do n't know Account Number, It is a sav9ings account. 
XXXX XXXX XXXX Birth- XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX Restore the money that was not calculated correctly. please,
Product: Mortgage

I financed the purchase of a townhome unit as a single person with XXXX XXXX  for the following address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Oklahoma XXXX Shortly after the sale XXXX XXXX  transferred servicing rights to Wells Fargo Home Mortgage. For over 20 years I made mortgage payments to Wells Fargo, including two mortgage modifications. 

In XX/XX/year> I was served with a foreclosure summons listing as owner ( s ) : XXXX XXXX XXXX. Also listed as owners of the property at XXXX XXXX XXXX XXXXXXXX XXXX XXXX  were unknown parties and banks with no relation whatsoever to the ownership of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX. The unknown parties included XXXX XXXX and banks not related to my financing agreement with XXXX XXXX. 

After receiving the foreclosure summons in XX/XX/year>, I contacted Wells Fargo and requested a loan modification. The modification was denied. The judicial foreclosure record with XXXX XXXX XXXX XXXX confirms the foreclosure proceedings involved XXXX XXXX and banks not related to my financing agreement or mortgage. 

The foreclosure was granted without corrections to title or ownership. I was forced to leave my home of 20 years in XX/XX/year>. 

I am filing this complaint because Wells Fargo committed foreclosure fraud by taking my home with a clouded title. I have no relation to XXXX XXXX, and have no relation to any of the banks in the foreclosure action presented as valid and legal in XXXX XXXX XXXX XXXX in XX/XX/year>. 

Wells Fargo failed to perform due diligence required in foreclosure actions, including providing the Court with clear title listing the correct owner ( s ), and financial institutions. However, Wells Fargo did not provide XXXX XXXX XXXX XXXX with valid legal documents and instead gained an invalid foreclosure on a clouded title. 

By this Complaint I am requesting Wells Fargo address the unlawful taking of my home on a clouded title and return same to me with damages.
Product: Credit reporting or other personal consumer reports

I'am a victim of Identity Fraud. I contacted the Credit Bureau ( XXXX, XXXX, Trans Union and XXXX. To explain to them that I am a victim of Fraud and the numerous addresses, Phone numbers, social security numbers, alias and accounts reporting on my report were fraud and or don't belong to me. I provided police reports and requested them to provide proof that these accounts and information was indeed belonging to me. They never provided this information or deleted this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2019 Balance : {$1600.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I went to see XXXX  XXXX on XXXX XX/XX/2019. I was sent a bill without the description of services or being itemized. I asked several times for and itemized bill and never received one. I received a final bill, ( still not itemized ) on XXXX XX/XX/2019, I called and asked for an itemized bill and was told they would send it if I paid the bill. I paid the bill over the phone with the billing department, and received a receipt in my email. I fund out today that there is a company called Franklin Collection Services,XXXX  XXXX XXXX XXXX , XXXX , MS XXXX, that is reporting that they are trying to collect for the bill to all three of the Credit Reporting Agencies. I called Franklin Collection Agency, they took my information, including my Social Security Number, and they said that they couldn't speak to me about the collection of this debt and that I needed an attorney. They said that they could only speak to XXXX XXXX  the Doctors firms name. I offered the receipts and they said that I could have my attorney submit them in court. I called XXXX XXXX back and they said that they couldn't do that because they didn't have any amount to be collected. I believe they took my personal information for fraudulent reasons! I am not sure what their scam is yet, but expect calls from them in the future!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is strictly about the inaccuracy that is inequitably furnished by your organization on my Consumer report. I came to discover this inaccuracy reported as of XXXX. Due to the inaccuracy reported, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused my right to exercise credit/consumer law. 

No one consulted with me when it came to these contracts or credit reports reporting false/miscellaneous information that I didnt approve of.. 
Theres no proof that I owe anything, at all. 

I was denied of 3 ( three ) credit cards plus a house, in which I have a whole family I take care of and support, that is my duty and responsibility in doing so. Being denied of my credit practices and consumer law is completely illegal and is interfering with my allowance of taking care of my loved ones. 

Theres no such law that states anything that needs to be reported to a consumer reporting agency, therefore your organization is completely liable. 

Pursuant to XXXX XXXX XXXX ( a ) ( XXXX ), consumer reporting agencies must exercise their grave duties and responsibilities with fairness, Impartiality, and a respect to/towards/for the consumers right to privacy. 

Show me any of these to prove that the information on my credit report and what is I mistakenly owe is even accurate : -A contract -Full accounting, that is on ledger and off XXXX XXXX written statement with 2 witnesses and notary Otherwise, I make the contracts, as Im the Original Creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had a problem with the Equifax company. I reported inaccurate information on my credit report. I mailed a detailed letter with the inaccuracies listed and the violations on the fair credit reporting act that equifax committed. Today is XX/XX/2022. The original letter was sent on XX/XX/2022. More than 30days have past and still no response. The items on my report should be deleted and removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Product: Checking or savings account

Report of XXXX led to theft of card ending in XXXX again. Concern is the lack of privacy and the lack of enforcement surrounding thefts of financial records regarding matters involving Bank of America ( where subject of complaint is a financial institution ), CFPB ( regulating agency receiving reports about financial institutions not administering finances according to law ) and credit reporting agencies ( third party entities receiving information reported through regulating agencies and financial institutions ). I have not authorized a third party to act as my agent in this matter or any of the other matters filed through the CFPB and with any of the financial institutions listed on my credit reporting agency for anyone to lead or instruct a third party to perform such thefts.