23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX, I obtained a home loan refinance & a Home Equity loan with Countrywide Bank. The loan was subsequently purchased by Bank of America. Due to the inflated home values established by Countrywide, and the loss of my homes ' value along with a verifiable hardship I was granted a principle reduction as part of a Department of Justice mortgage Settlement in XXXX offered by Bank of America. This Department of Justice settlement afforded me an opportunity to bring my homes value in line with the correct fair market value rather than the inflated value originally established by Countrywide. However, remaining at issue is the Home Equity line of credit that was never settled by Bank of America via the Department of Justice for the amount of {$84000.00}. My specific complaint is that the Home Equity Line of Credit was granted to me by Countrywide using the same predatory lending techniques as the primary mortgage. The predatory lending techniques that Countrywide used included using an inflated home value as established by the appraisal company Countrywide owned, using stated income for me only and not both incomes from my husband & I, placing the home loan in only XXXX spouses name when both spouses qualifed and not to mention the bundling and selling of the primary loan and the home equity line of credit to investors. Based on the Department of Justice last settlement in XXXX reached with the XXXX major banks that includes Bank of America, I should be entitled to the provisions of this settlement that specifically addresses the extinguishment of Home equity lines of credit. However, I have been told to contact the mortgage servicer XXXX XXXX XXXX that Bank of Anerica transferred the HELOC loan to for a modification rather than an extinguishment of the loan. This Heloc loan should be extinguished & my credit rating restored. I am unable to obtain affordable credit due to the consistent detrimental negative reporting that XXXX Resolutions does on a regular basis. Bank of America will not assist me in getting this loan transferred back to them to settle fairly. I seek assistance in getting this loan transferred back to Bank of America to receive all of the settlement provisions for extinguishment of the Home Equity line of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my Equifax report was reportedly leaked to individuals without my consent. I was made aware by a press release on X/X/17.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are adversely my livelihood! 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: Bank account or service

Facts : 1. I had a Wells Fargo bank account, and it was closed it in XX/XX/XXXX. 
2. When I closed the account, I was affirmed that I did not own the bank anything and I was free to go. 
3. On XX/XX/XXXX I received a letter from a third party debt collection company. The company has my SSN, address, phone number and everything else. The company claimed that I own the bank about {$120.00}. 
4. When I called Wells Fargo on XX/XX/XXXX to double check everything, their banks transferred me from department A to department B, and then to department C. And department C tried to transfer me back to department B. And finally they told me I had to go to a local branch. 

My complaints : 1. I am wondering if it 's legal for Wells Fargo to share my private information with another company? 
2. Why did Wells Fargo wait for 2 years to notice me? How possible did they tell me free to go and close my account, and then found out I actually own them some fees and overdraft? 
3. I am not satisfied with their customer service of transferring me back and forth.
Product: Debt collection

I have disputed this account numerous times and have asked for documentation proving the debt is mine. The debt collector has never contacted me via phone nor have I received written documents.
Product: Debt collection

XX/XX/year> CFPB Case 3 Follow up to Case # XXXX American Express Collections has not complied with CFPBs order to cease and desist. I received this email from XXXX on XX/XX/year>. 

This latest email must be on programmed auto send function. They need to remove my case and email from all its systems and databases since the preprogrammed codes will auto-send again. Please see attached PDF for sender 's information. 


Sincerely, XXXX XXXX
Product: Credit card

Upon reviewing my credit report after being denied a loan, I was told that I still owed money to Chase for an account that they wrote off. The debt was written off and a XXXX was issued and I filed taxes on this debt but they report this debt as still being owed on my credit reports. I wrote to all XXXX major credit reporting agencies and all three responded with no change to the status of this account. I 've called Chase 's recoveries dept. and they refuse to report this account correctly. This account should read as a XXXX balance on all credit reports due to the write off but they refuse to state it as such.
Product: Checking or savings account

On XX/XX/2018 I was scammed XXXX.. I called Wells Fargo for them to stop the payment. They told me they can not do anything and I have to reach out to the recipient which I did and I did not get a response. I called and text the number was no longer in service. This is so frustrating because my bank should be able to stop payment and help me out with this transaction. The transaction was with my bank Well Fargo through XXXX.
Product: Credit reporting or other personal consumer reports

each are unknown inquiries stated below 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 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 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

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX  XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit card or prepaid card

THE ACCOUNT NUMBER WITH BANK OF AMERICA, I WILL GIVE LATER. THE COMPANY IS CHARGING TWICE FOR LATE FEES AND INTEREST. I WAS UP TO DATE WITH MY CARD IN XXXX. IT IS NOW XX/XX/XXXX, I CALLED COLLECTIONS AND THEY ADVISED IT IS ONLY 1 MONTH OLD. THEY HAVE CHARGED ME OVER {$700.00}. WHEN I CALLED, AND I CALL EVERYDAY TO TRY GET THIS RESOLVED THEY ADVISED THAT I CAN NOT DO A DEBT SETTLEMENT FOR ANOTHER 5 MONTHS. ALL I AM TRYING TO DO IS RESOLVE THIS DEBT. WHAT THE GIRL ADVISED ME ON XX/XX/2021 IS THAT THEY ARE CHARGING ME OVER {$220.00} A MONTH. THEY ARE GOING TO LET THIS ACCOUNT RESET AND BUILD UP MORE INTEREST FOR ANOTHER 6 MONTHS. THIS IS A VIOLATION OF FDCPA. ( CHARGING ME TWICE FOR INTEREST AND FEE AND LATE CHARGES. I WILL HAD MEDICAL PROBLEMS AND THEY WILL NOT WORK WITH ME. I MAY JUST FILE BANKRUPTCY AND THEY WILL NOT GET NOTHING. ACCOUNT XXXX
Product: Credit reporting or other personal consumer reports

I have never authorized, consented to nor benefited from the following account/inquiries, please remove the following within XXXX business days pursuant to 15 USC 1681 XXXX XXXX. ) XXXX XXXX  XXXX. ) XXXX XXXX. ) XXXX  XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) Attorney General XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX  XXXX ) .Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company has a judgment on a credit account that they bought from XXXX of my creditors. In addition, I have not given them any personal information about me. However, they have won a judgment against me and I understand that. But I have never given them any information about me and they have been able to obtain a legal order allowing them to contact my past and previous employers to garnish my wages. I am currently in the process of filing a head of household exemption but I 'm a little uneasy knowing that creditors are allowed to violate my privacy and utilize the court system to seek my personal information. Again, this is a third party collection agency who bought my account from my original creditor. I plan on taking this a little further. The agencies name is XXXX XXXX XXXX , XXXX. My new employer was served with a writ ordering them the provide my information. This could of resulted in ramifications to me and my lively hood.
Product: Credit reporting or other personal consumer reports

I submitted a a complaint because our old mortgage loan was still showing up and being reported even though it's been paid off for a while. Although, they did stop reporting and now show a XXXX  balance, the " late '' payments are still showing and negatively affecting my score. Please delete the entire account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Disputed the debt but they never investigate it. in less then 24 hrs  they coming back to tell me that its correct i have try to dispute it numerous of times that they are saying they will not investigate it. and send collection letters and threatening letters.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies involving my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough and authentic investigation. Experian continues to report false information and incorrect addresses and names, in my credit report. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions also may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5336 ( a ) ( 1 ) ( A ) - ( B ). I requested that CFPB take appropriate action to ensure Experian complies with the necessary proof of investigation. 

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

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. Cc Comptroller of the Currency. Cc Federal Reserve System. XXXX XXXX XXXX  XXXX. Cc Federal Trade Commission. XXXX XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/19 someone used my debit card number to spend {$100.00} at XXXX 25min away from where I live. I immediately received a alert limit email notification which I set to be {$75.00}. I reported it to Chase immediately. They issued me the money immediately and told me they would investigate. A couple weeks later I notice that Chase took the money back out from my account. I called and they said they denied my fraud claim and stated I need to provide more evidence. I contacted my local sheriffs department and filed a police report so they can get ahold of video surveillance to prove it wasnt me. The police officer told me to contact Chase and to submit the case number and that they know what to do since they always deal with this stuff. I contact Chase again and now they are telling me to have the Sheriffs department fax the police report to them. I contact the sheriffs department and they stated they usually dont do that type of stuff. Chase is making extremely difficult for me to get my money back and for them to accept fraud claim. I thought I had fraud protection, but its not working for me. I dont feel safe with Chase having all money ( they are my primary checking account and its where all my direct deposits go to ). Luckily it was only {$100.00} but its not the amount of money that matters, its the principal. It will be weeks until I get my money back. Extremely unhappy with how Chase has handled this and how they are making so difficult for me to get my money back. I will be closing my account with them soon once this hopefully all delt with
Product: Credit reporting or other personal consumer reports

My information was sold bought illegally because I was a victim of the equifax data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit score reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Wells Fargo Auto several times about the inaccurate reference to a Decemeber XXXX Repossession under the payment status on my XXXX and XXXX credit reports. I have sent in my title, proof of payments and receipts to show that this account was paid in full. The vehicle was not repossessed in remained in my possession until the account was paid in full in XX/XX/XXXX. Please provide help with getting Wells Fargo to respond to correcting this issue.
Product: Credit card or prepaid card

I WAS A NEW CUSTOMER WITH CAPITAL ONE TRYING TO RESTORE MY CREDIT AND DUE TO THE FACT I AM JUST COMING OUT OF HOMELESSNESS AND HAVE TO DEPEND ON THE PAYMENT I GET FROM THE GOVERNMENT I WAS 6 DAYS LATE MAKING A PAYMENT. I MADE THE PAYMENT AT XXXX AND IT WAS NOT REFLECTED IN MY ACCOUNT. I HAVE MY RECEIPT THE PAYMENT I OWED WAS {$25.00} AND I WAS CHARGED A LATE FEE OF {$25.00} FOR BEING 6 DAYS LATE. THAT IS ROBBERY. THERE IS NO WAY MY LATE FEE SHOULD BE AS MUCH AS MY PAYMENT. 
ACCT # XXXX
Product: Student loan

Student loan was turned over to a collection agency, Immediate credit recovery Inc. I called several times prior to them garning my wages to discuss a resolution. I have left several voice mails prior to the garn taking place and after. I have never recieved a return phone call and they have started garning me. I just returned to work from a 6 month short term disb and this is crippling me. I tried to set somehing up prior to garn while on disb and no one will return my calls!
Product: Credit reporting or other personal consumer reports

I demand the listed accounts be removed. I have not given consent, authorization or written instruction or permissible purpose. I have also not been given opportunity to opt out. This is a violation of federal law, state law, and public policy. These are also violations on the XXXX specifically section 6050i, 6050p, 7203. These are also criminal violations of 18 usc 2, 18 usc 1341, 18 usc 1348, 18 usc 1349 as well as violations of the FCRA for inaccurate and improper reporting and the GLBA and FDCPA. Both data furnishers and consumer reporting agencies are in violation of the law, and I am giving opportunity to cure. The following accounts must be 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 Thank you for your attention into this matter. 
PLEASE BE ADVISED THIS IS NOT A REQUEST FOR VALIDATION. 
THIS IS THE DEMAND FOR REMOVAL OF INFORMATION IMPROPERLY PLACED ON MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan showing open XX/XX/XXXX with the XXXX XXXX, which I did not open any loans with anyone in XXXX. When I contacted the XXXX XXXX on XX/XX/XXXX XXXX there said they had no loans for me only a denial in XXXX and told me to contact their corporate. The corporate office said they did not see a loan for me and said to contact the collection agency listed on my report. When I contacted XXXXXXXX XXXX XXXXXXXX they said they did not have a file for me and to contact XXXX XXXX. I spoke with XXXX XXXX and told them what was going on and they said they would put in a dispute. Then on XX/XX/XXXX I received an email from XXXX XXXX XXXX, XXXX General Counsel For Prime Recovery, LL stating We had previously sent you communication wherein you had the opportunity to dispute the above referenced debt. As thirty ( 30 ) days has lapsed, the above reference debt is deemed valid. I have never received anything from this company or any other company regarding this debt of any type. So I then send this company and email stating I wanted validation of the debt and all information regarding this debt as it is not correct. I did not receive an email or any contact back from them so I called on XX/XX/XXXX and asked about the email and they said that was just their response for the XX/XX/XXXX dispute and that it is still under dispute. I have not heard anything else from any of those 4 companies or received any type of validation or information I requested from them. On XX/XX/XXXX XXXX claimed my dispute came back validated as my debt but would not clarify what information they received as proof that is was mine or provide me with any other validation or proof to me. If something is showing up on my report I have the right to know exactly what it is and to have legitimate proof of the information. Again I did not open any loans in XXXX with this company of any kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries listed above were not authorized by me.
Product: Checking or savings account

From XXXX I was a member of Navy Federal and was being charged overdraft fees.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THAT I HAD SIX ( 6 ) LATE PAYMENT ON AN ACCOUNT THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX XXXX ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE ALL PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. THANKS