23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am in a mortgage modification with the criminal company Wells Fargo, the terms of which was fraudulently represented to me, and have tried every remedy to change the situation, to the detriment of my physical, mental and financial health. The most recent indignity was the shocking experience was to find out that the complaint to their executive offices ( with a reference # ) which was mysteriously withdrawn for no reason. The rep helping me today was genuinely shocked and in and promised to escalate a new complaint. 

I am being stonewalled at every attempt to resolve this, by paying off or paying down or refinancing at a lower interest rate that I deserve due to my good credit and payment history, but get runarounds, form letters and some erroneous correspondence that has nothing to do with my inquiries or concerns. 

My paperwork is very organized when you need more details and figures. 
I have contacted lawyers, legal aid, bar association, etc. Our local town affordable housing rep has been of no help though I have made her aware of situation. I refuse to be taken advantage of any more.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Amex asserts no impact to personal XXXX XXXX when running XXXXXXXX XXXX XXXX  credit card application. 
My personal XXXX XXXX was impacted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX still has my credit report im collections. This account has been paid in full and settled. I was told that this account would be removed from equifax report but it's still there. The amount of debt was {$270.00}
Product: Debt collection

On XXXX upon trying to refinance my home the mortgage company advised me that there was a lien against my home from a company by the name of Darnel Recovery, I was in total shock as I have never acknowledged this matter or was served this documentation by the local authorities back from 2007. I called to speak to XXXX XXXX and she stated that I needed to send my id through a email and that the document indeed was me, now the problem I have with this is that My HIPPA laws have been violated my information has been released to a third party. They are in violation of the Fair Credit Reporting Act twice over. First by the original alleged creditor giving my information to a third part debt collector and secondly by submitting the Medical debt to the Superior and Magistrate Courts in both XXXX and XXXX county where I do not reside at which there was a lien judgement against my home. I would like to see a validation of Debt and HIPAA authorization because I didn't authorize my information to be shared nor did I receive any information by mail or from any proper authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX CARD XXXX, XXXX CARD XXXX and XXXX CARD XXXXXXXX
Product: Credit card or prepaid card

I am happy to provide PDFs of communications to prove the following if Avant is unable to locate them. 
1. Within the past six months, Avant approved a credit card in my name with a {$300.00} limit. 
XXXX. Until XX/XX/ in the later afternoon, I did not have a balance on the card. 
XXXX. On the morning of XX/XX/XXXX  I advised Avant of my new address ; I similarly advised other creditors of this address change. 
XXXX. Avant did not provide ( and presumably does not provide to everyone, but who knows ) a way to change your own address. Instead, it required me to send them an email advising of my new address. 
XXXX. Avant sent me an email " requiring '' me to provide them proof of my new address. 
XXXX. Avant did not detail why it " required '' proof of my new address. 
XXXX. I have never encountered a creditor requiring proof of address after the initial application. 
XXXX. In response to the customer service person, I wrote asking for an explanation as to why they required me to prove my address. 
XXXX. Avant responded by directing me to call their customer service number. 
XXXX. I responded by indicating I preferred that ( i ) they explain their reason in writing ; and ( ii ) if I was required to do so by the terms of our contract that they cite the relevant provision, While I was not rude, I was certainly direct. I questioned why they were declining to respond substantively in writing- this is particularly relevant considering they initiated their demand in writing, XXXX. Avant responded in two further emails in which ( i ) it did not even address my question, much less respond to the substance of the question, and ( ii ) referred me to call their customer service. 
XXXX. In my final response at XXXX XXXX., I indicated that I expected a response in writing. 
XXXX. They have not responded. 
XXXX. On its face, this may seem like a ridiculous complaint. The card member agreement available on their mobile app ( after you log in ) does not " require '' me to provide the proof they describe. ( ii ) They seek to discuss this matter in a forum ( by phone ) in which there is no trail of the what was discussed other than, presumably, their customer service person 's notes. I don't accept that kind of power struggle. Written communication is perfectly acceptable, creates a paper trail, and I don't see anything that compels me to communicate in the manner which THEY want, so long as I communicate with them, which I have done. 
XXXX. Simply put, I don't trust Avant to stand by whatever statements it may make over the phone, and I suspect they will close/limit my account which is why I am filing this complaint perhaps precipitously. I do not have the realistic option to close this account because doing so will hurt my credit rating even though it is already most positively described as " rebuilding. '' I appreciate that I am " raging against the machine '' here and that I probably look like a pedant. But I don't like being bullied, and I don't like companies that absolutely REFUSE, the way Avant has, to answer the legitimate question they are asked in response to their question.
Product: Debt collection

Dear Sr/Madam, I am writing this letter to formally dispute the validity of a debt collection letter I have received from your organization asserting that I owe a debt related to the account. Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. Can you supply me with a contract or agreement signed with your company or the Creditor Please provide the following alleged information to me within thirty ( 30 ) days from receipt of this letter. 

1. The name and addresses of the original and current creditor Verification of the debt amount that you are seeking to collect showing that a contract exists create the amount that you claim is owed.

2. All the assignments showing the debt transfer from the original creditor to the current creditor. 
3. Please provide me XXXX proof the debt was securitized by the original creditor. 
4. Please show the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
5. Please show documentation on your licensing : Please provide me with your agencys licensing and registration information, as requested by the relevant state and federal lawyers. 
Pursuant to my right under FDCPA, please cease and desist from collecting on this debt until you have validated the debt. Please consider this letter as a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 ( Thirty ) days of receiving this letter. Failure to provide the requested information within this time limit will be considered a violation of the FDCPA which will result in the removal of the account from all XXXX ( Three ) credit bureaus. 

Sincerely,
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I attempted to buy basketball tickets by transferring money through XXXX. The tickets were never provided, and I attempted to contact both Chase Bank and XXXX   to resolve the fraud. Chase noted that there are no consumer protections offered whenever using their service through XXXX on transactions like this. Considering this is a bank to bank transfer, there should be a pathway to freeze transactions, or at least obtain personal information linked to the receiving bank account so that this matter could be reported to the police or to allow for civil action.
Product: Debt collection

Received a call from XXXX Sklar Law and looked up the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX : XXXX Fax : XXXX A women stated she was from the law firm and I have a bill of {$2900.00}. from XXXX  and she wanted to set up a plan for payments. 

I asked her who the company was and she said XXXX XXXX XXXX XXXX  ( I think ) and something else and I said I don't know who they are. She then replied that I received a compression device and she would send me an email with the information. I told her I have insurance and she replied that they didn't submit the bill to insurance. 

I replied " I was told by my insurance that I do not owe anything ''. 
She then said " first you said you don't know who they are and now you say you don't owe anything ''. 

I replied again and asked her the date again, which she said the entire date in XXXX and I advised her that I had many bills from that procedure and called the insurance and they called the provider in which they admitted that I do not owe anything and the conversations has been recorded and that's how I know. I also told her not to try to get cute with me and she then said " we will see you in court '' and hung up. 

As she was trying to catch me in a lie, she lied by saying they didn't send the bill to insurance but also asked for the Explanation of Benefits. 

Please note : I have never received a bill from this company and no calls from the provider so, I do not know why it would go to collections after more than 3 years when they never tired to collect. Also, they could have at least tried to put in a claim in with the insurance. So, after one call, they threaten to take me to court? Therefore, it appears to be a scam. I have called my insurance company as well.
Product: Debt collection

Debt was paid and removed in XXXX XXXX. In XXXX XXXX the XXXX accounts were reinserted on my credit report by commonwealth financial. Commonwealth removed the information then replaced the information on my credit report under northeast credit and collect. These accounts were paid and removed they should never have been reinserted. Also accounts are from XXXX, past the statue of limitations on which it can report. Please remove the accounts from my credit file with all three credit bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that its the Credit Bureaus responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. 1681g ; 5 ) et seq. 


Name of Account Type of Item Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inaccuracies 1. Showing a past due amount on a collection/charged-off account 2. Account is reporting with 2 different balances of high credit.

3. Account is reporting with 2 different dates of last activity.

4. Account is reporting 3 different dates of last payment. 

If this is the same account being reported by the same creditor, why are these dates/amounts different? As you know, all must be the same. 


Action To Rectify DELETE the account immediately FCRA non-compliance of inaccurate data furnished on my credit report. 

Please do not update or verify this information again without doing a due diligence investigation. 
Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. 


I sent this letter via certified mail to ensure this matter is resolved within the required thirty ( XXXX ) day window so as to avoid any violation of the FCRA. Please send me a copy of the changed credit report upon finishing my request. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX Attached : XXXX report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit card balance thats incorrect and credit cards thats was closed with no balance showing up with a balance. Information that was supposed to be removed still on there for get it now. Bankruptcy that was supposed to be removed still popping up. XXXX account that was removed now back on my credit report. Credit scores keep going down after Ive did credit repair and talked to consumer.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft I called the company and explained the items dont belong to me. XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$300.00} XXXX  XXXX {$110000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inquiries on my Equifax report ( XX/XX/XXXX ) waited 30 days for a response to have the disputes verified or removed and have not received any response. 
1 ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We agreed to purchase a bank owned property for full asking price in XXXX XXXX and the offer was accepted. We placed 10 % of the money into escrow. The bank delayed closing then until XXXX XXXX because of a right of redemption that was placed on the property. Then the ROR was waived and we signed closing documents on XXXX XXXX, XXXX and wired the rest of the money out of our account. Now, a week later, the bank has the entire purchase price but has failed to release the property to us and we are told that this will take more time because they require another appraisal.
Product: Credit card

I paid my balance in full on my Chase Freedom credit card on XXXX XXXX. On XXXX XXXX, my account was charged an interest. When selecting to pay my current balance, no where is it stated that further interest charges will apply. I called the credit card company and they would not waive the fee. As a customer with Chase for over XXXX years, this is ludicrous behavior. I feel as if I am being punished for paying my balance before the due date. How many more customers does chase victimize?
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, 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 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 of 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

All about related EQUIFAX DATA BREACH c/o Legal Administrator XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. 
XXXX Defendants are all EQUIFAX Inc , Services & Consumer them has being rejected my file affected by the data breach XX/XX/XXXX said : does not exist my SS file affected at the breach dated, is not accurate because my SSN exists on the XXXX XXXX targets at the breach fighting against Identity stealers. I am a Victim fighting against mistakes of Defendants. 
2.- Why Legal Administrator Law Firms ask Defendants if my case is valid or not? Like I explain I have fighting Identity Theft XXXX against stealers uncovers by violent criminal Organization, its unresponsive behavior protecting my Data an XXXX millions  of customers. 
3.- Like I written before FTC report numbers XXXX dated XX/XX/XXXX expenses {$40000.00} & FTC Reports XXXX dated XX/XX/XXXX {$25000.00} I want back my expenses. 

4.- The Courts finds the Claims Administrator also declares it has full filed its duties but is a lie because reject my expenses received XX/XX/XXXX when the form writes must be postmarked or submitted online NO LATER than XX/XX/XXXX. Another lie Administrator is the Courts Find. Effectively reached the Settlement Class I am part of Settlement Class getting out. 
5.-EQUIFAX Data Breach Settlement c/o XXXX Legal Administrator XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has being unable of reach XXXXXXXX XXXX of XXXX affected, its phones response 13 months later. 
6.- I want my expenses Back {$40000.00} included {$25000.00} sended XX/XX/XXXX recieve by administrator XX/XX/XXXX 13 days before. 
7.- Defendants wrong doing continuing because reject my petition for Anual Credit Report since XXXX 4 years [ 3agencies ] = 12 years without credit Reports.Did not makes Identity Thefts Protection for 7 years, became deny {$25000.00} expenses XXXX to XXXX. 
8. XXXX in XX/XX/XXXX give me UPDATED my Email and he give me the letter but I nevertheless received back anything in my Email. Call again I wait for a call XXXX on XXXX Them never call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ... the following account XXXX # XXXX has violated my rights ... .... 

-15USC 1681 Section 602A ... states I have the right to privacy.

-15USC 1681 Section 604A Section 2 ... .. also states a consumer reporting agency can not furnish an account without my written instructions.