23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My soon-to-be ex-wife and I are going through a divorce. In XXXX XXXX she placed the mortgage in a 6 month Covid-19 hardship forbearance telling Wells Fargo she was experiencing a hardship related to Covid-19. She extended the Forbearance for 3 months in XX/XX/XXXX and then for another 3 months in XXXX XXXX. There was never a hardship related to Covid-19, in  fact, we are both fully employed and benefitted greatly from Covid-19 ( She is a XXXX, I am in XXXX XXXX ). Our income only increased and increased greatly. She used the forbearance to avoid paying the mortgage and instead, to take several dozen out of state trips. She frauded Wells Fargo and the Federal Government out of tens of thousands of dollars. The past due amount was in excess of {$50000.00} and she fraudulently extended the mortgage from a 15 year loan to a 40 year loan with the same 2.7 % interest rate. This is not an individual who was negatively impacted by the Covid-19 pandemic and is utilizing the less fortunate for her personal gain. 

This individual had more than enough liquid assets ( cash ) to pay the past due amount 2 times over. She chose to default on the loan to be eligible for the streamlined mo Wells Fargo Account # XXXX
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

to whom this XXXX concern I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the XXXX, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status Furthermore, the XXXX  has directed me to file Form XXXX for illegal tax violations upon your company to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX, Transunion, and XXXX to explain they have multiple inaccuracies on my credit report, and have for 3 years been sending letters, with barely little coming off my report as deletion. Within that, I havent been able to be approved for vehicle loans, home loans, even lines of equipment for my business because my personal credit is XXXX fico - being that NONE of the companies have reported correct information when given, or anything of such. Its been 3 years and now having more information, Im doing anything and everything I can do go to court with each of them in regards of getting my life back together.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry that appears on my credit report. I did not authorize this inquiry and believe it may be a result of identity theft or an error. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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. 

XXXX 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: Payday loan, title loan, or personal loan

Im self employed and I got a large personal loan through XXXX XXXX in XXXX ok. I put my wifes phone number as the office number to my shop because she deals with the office. Well the manager and asst manager in the office, XXXX and XXXX, have both called my wife on multiple occasions and instead of asking my wife to get me a message to give them a call back. They released all my personal information. My wife is not on this loan, she knew about it yes, but I did not give the office permission to discuss the account with my wife other than leaving messages with her to give to me. My wife had called up to the office to make a payment on the loan and the branch manager XXXX told her that she needed to pay more or they would be filing legal on her. She reminded the office she is not on the loan and is not suppose to be discussing details of the account with them because she is not responsible for the loan, and they have called back multiple times. Sent collateral secured letter to my home saying that we had a vehicle secured by this loan, which there is not a vehicle secured loan at all. Ive tried calling XXXX XXXX XXXX   office on multiple occasions and have not received any call back from anyone.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and detected one or more accounts reporting inaccuracies and errors. I request the agency to review, correct and update the information that is not correct and accurate in all reports ; stories like : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

PayPal has again hijacked my credit card as a " backup payment source '' without my input or permission. This is a follow up to Case number :  XXXX .
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX {$0.00} Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I raised a dispute Report XXXX XXXXXXXX with Experian regarding incorrect mortgage balance reported by XXXX  XXXX I was not satisfied with Experian 's investigation of my dispute and closed the dispute with no changes to my mortgage balance. My mortgage balance was reported as XXXX when it should have been XXXX. I made mortgage payments on XX/XX/XXXX and XX/XX/XXXX and both were not reported to Experian. Experian did not investigate appropriately even though I provided the last mortgage statement XXXX XXXX XXXX XXXX that proves the XX/XX/XXXX payments and showing the mortgage balance as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had financial difficulties in which I let XXXX know ahead of time. I sent in all my paperwork but they kept telling it was wrong. Which was not the case. It seemed like they were doing this on purpose to cause me to almost go into foreclosure they even sent me documents for modification on date that was scheduled after I received the papers. They cause more of a hardship than it should have been. So I decided to go throw XXXX GA which took 30 days. 

XXXX put me in bind to ruin my credit it took 4 months for them to get everything together which is entirely unacceptable for banking standards. So they're showing late on my credit profile in error, this was merely their mistake. I did all I was supposed to do ... 
Not to mention I was misguided via one of their employees who advised me not to pay any mortgage until I see if I'm going to get approved for the hardship. 

I have attached a letter that I provide XXXX in XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Credit Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2, they are supposed not to 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: Mortgage

I sent a debt validation letter to ROUNDPOINT MTG XX/XX/2022 asking to provide me with proof that I own this debt, and they have failed to respond. I then looked at my credit report and noticed that they are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of their actions, they have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. I would appreciate it much if you remove the account I will be listing below
Product: Credit card

This is a very very serious situation with USAA SAVINGS BANK and their credit card department and insurance department and bank department. Due to their horrible credit card department and every department USAA illegally put our credit card in collections. This situation can be proved in court of law and we will not rest until USAA takes care of this. This is the most unprofessional, thieving company that disrespects it clientele and does n't care if people are dieing, homeless, careers ruined or what not from their illegal and highly irrational behavior. In 2012 myself and my co-signer illustrated we were idenity theft through our banking account and lost over {$35000.00}. A person was arrested and we filled out police report. Usaa then shut our accounts down banking and held on to our money for over a month without reason why. This caused a huge rift in our fiances, then we noticed our USAA CREDIT CARD had tons of suspicious activity similiar to banking accounts, well USAA instead of helping us when we asked, they decided to just put our credit card in collections illegally when we were paying more than balance owed on it and I never had missed a payment in over XXXX years. Usaa exhibits this illegal and highly ruthless behavior and when asked to fix it they give the public a blanket statement WE LOOKED INTO AND FOUND NOTHING WRONG. That is it, well there is something wrong. We had FEDERAL TRADE COMMISSION, ATTORNEY GENERAL OFFICE and many other government agencies federal and state. USAA needs to not only be highly investigated and class action lawsuits started but every customer needs be aware. I been with them for 20 years and I lost my whole life and my partner is XXXX cause of their illegal behavior and this needs to be taking all way to to congress if not fixed. I will keep this on this site and go to every agency if not fixed properly. And I understand you have to give them 45 days, I will personally feel I need see a fix in 15 days. I never seen a company behave so illegally and get away with so much.
Product: Credit card

ON XX/XX/XXXX A CHARGE WAS POSTED TO MY FIRST TECH CREDIT CARD FOR XXXX  WHICH I DID NOT CHARGE NOR AUTHORIZE. I REPORTED SAME TO FT AT THAT TIME IN ORDER TO DISPUTE THE {$69.00}. I TRIED CALLING THE PHONE XXXX XXXX XXXX XXXX XXXX  ON THE BILL FOR WHICH THE {$69.00} TRANSACTION WAS POSTED. THE PHONE # DOES NOT PROCESS THROUGH SO IT IS FRAUDULENT. SINCE XXXX FIRST TECH TOOK MY DISPUTE REPORT BUT SINCE THAT TIME HAS NOT RESOLVED THE ISSUE ON MY BEHALF AND I RECEIVED A STATEMENT BILLING WITH A DUE DATE FOR XX/XX/XXXX FOR THE CHARGE OF {$69.00} PLUS INTEREST. I REPORTED THIS MATTER TO XXXX TODAY WHO FILED A DISPUTE ON MY BEHALF AS I DON'T WANT THIS FRAUDULENT CHARGE AND FIRST TECH 'S ATTEMPT TO COLLECT FROM ME TO INTERFERE WITH MY GOOD CREDIT STANDING. I AM UNCLEAR AS TO WHY FIRST TECH IS NOW CONTINUING TO COLLECT THIS CHARGE FROM ME. PLEASE HELP TO RESOLVE THIS ISSUE ON MY BEHALF.
Product: Credit reporting or other personal consumer reports

You JEFFERSON CAPITAL SYST have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

You JEFFERSON CAPITAL SYST failed to validate this alleged debt. FOR ACCOUNT # XXXX I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe.This Cease and desist include but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY.

15 USC 1692c ( c ) Ceasing communication FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations
Product: Checking or savings account

On XX/XX/XXXX, I noticed that a fraudulent check had cleared against my KeyBank checking account 2 days earlier. 

I called my bank immediately and they told me it was obvious that it was a fraudulent check as the person had whited out some areas to write over fraudulent information. 

When I asked if I would get refunded, the bank indicated that they would investigate and let me know. Although this was obviously fraudulent, I was not told I would obtain a refund. The bank told me they would have to freeze my account and open another account for me. I was also instructed to file a police report. The police mentioned this type of fraud had been happening frequently recently and may originate from someone stealing and copying mailed checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a letter to XXXX XXXX requesting verification on two account on my credit report. the accounts are 1. XXXX XXXX, Account numbers XXXX .... 
2. XXXX XXXX, Account numbers XXXX .... 
3. XXXX, Account numbers XXXX the investigation results summary said that these account were VERIFIED AS ACCURATE. 

I am demanding from them to send me verified proof to me so i can compare them with my records. If they can not provide me this proof i am requesting these account to be deleted immediately from my credit report
Product: Payday loan, title loan, personal loan, or advance loan

someone got a payday loan in my name amscot
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , inc . ) due to inadequate customer service and unfair practices, which violate the CPFA. Specifically, CashApp failed to take timely and effective measures to prevent fraud
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed a fraudulent account. This account is affecting my ability to obtain fair credit.
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 opened up a Wells Fargo checking account for the {$200.00} opening promotion and did not receive the opening promotion.
Product: Mortgage

Midland says they gave me the month of XXXX under Covid forebearance but when I call in they say they didnt and dont pay XXXX it will go to XXXX. They said they did in cfpb statement. 
If I do that I get marked late and foreclosure Need help asap
Product: Consumer Loan

Got a loan through turbo tittle loan and six months later got divorced she got the car and debt now she has trade car in and they are calling me and harrassing me talk to guy on phone told him not to call me again and his answer was he will all day long and he has now called XXXX times in and hour