23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On Tuesday, XX/XX/2023, at XXXX XXXX, I received an email from XXXX XXXX, a Loan Originator with AmeriSave Mortgage Corporation stating that her underwriting system wanted her to do a hard inquiry to check my credit report, and that she wanted to get my approval on this before she proceeded. I never approved for her to do a hard inquiry to check my credit report. The following day, Wednesday, XX/XX/2023, at XXXXXXXX XXXX, I received an alert from XXXX XXXX credit monitoring stating that there was an attempt to perform a hard inquiry to check my credit report through XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX ; however, Access was denied because my report was locked from unauthorized access. I never authorized AmerirSave or XXXX XXXX to do a hard inquiry to check my credit report. I contacted XXXX and confirmed that AmeriSave had performed the hard inquiry of my XXXX XXXX credit report in an attempt to obtain my fiancial information. I then sent XXXX XXXX an email inquring as to why she had attempted to do a hard inquiry to obtain my fianancial information from XXXX XXXX without my knowledge or consent ; however, I never recieved a response from her. On XX/XX/2023, at XXXXXXXX XXXX, I sent a follow-up email to XXXX XXXX stating that I had sent an email to her regarding this matter and that I was expecting a response from her. However, I never received a response to the email inquiry or any explanation as to why she or AmeriSave attempted to obtain my consumer credit report and financial information without my knowledge or consent.
Product: Mortgage

Wells Fargo misled me into applying for a loan modification instead of a COVID-19 standalone partial claim. I have been asking Wells Fargo to approve me for a partial claim, but the home preservation specialists are unwilling to consider me for one.
Product: Vehicle loan or lease

Three times First Tech Federal Credit Union have applied my car payment to another account. One time theyve even reported me to the credit bureau. I received a late payment letter. When I called them to tell them that I made the payment a week earlier than the due date, it took them 2 weeks to apply my payment to the correct account. They had to send a letter of correction to the credit bureau. They charged me extra fees saying that I needed to put back {$3.00} in a share account. I asked them why should I send and extra {$3.00}. When my payment is {$390.00} and many times Ive written the check for {$370.00}. Ive never seen this extra amount applied to my car loan. I sent the extra {$3.00} but when I went to a location to pay my XX/XX/2022 payment, I was told that I still owed the extra money. Every monthly I have to call to make sure theyve applied my payment to my auto loan. Im really tired of having to argue with them over the phone about their mistakes. I cant help but to think that theres something wrong going on. They never gave me a reasonable answer about the {$3.00}.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act 15 USC 1681 section 602, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian, being consumer reporting agencies, and I, as the Consumer, have the right to ensure the non-disclosure of my private information, in accordance with 15 USC 6801.

15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' [ Furnisher of information to credit agencies ] is a financial institution by definition under that title.

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent whether verbal or written to furnish this information. Any and all alleged consent to XXXX, Experian, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' However, XXXX XXXX XXXX  failed to inform me of my right to exercise my nondisclosure option. 
Additionally, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
XXXX and Experian are not maintaining reasonable procedures. 
Finally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit card or prepaid card

they wont let me pay my bill, my card and my accounts were stolen, ive reported this and they keep on calling i would like them to cancel my debt i dont have my card my information was stolen this has been going on over a year and a half im going to take them to court. if they cancel the debt appologise ill let it go if not ill file a case harrasnent and creatting virtual reality money. sorry thanks for you time i hope the we can resolve this they owe me my bill when i went to pay it offf was never added to the dept but it charged me what i payed. i thouight we solved this already., my card was stolen alos i dont have that information
Product: Credit card or prepaid card

American Express's prepaid debit card services (Serve, Bluebird) have been completely non-functional since ~XXXX EST this morning, on Friday, XX/XX/2019. Users (including myself) are unable to log into their account on either the serve.com website or through the Serve mobile app. The app displays a message explaining the issue is due to maintenance. The website displays a message explaining that the site is down, but affected users' debit cards can still be used. However, said cards are declined when used for transactions, both online and physically. When asked for comment, American Express's officiaXXXX XXXX accounts (@AmericanExpress and @AskAmex) send generic, copied responses that explain little regarding the status of the problem (ex: "Thank you for reaching out, we are aware of the issue and we are working quickly to resolve it. We appreciate your patience. Your funds remain safe and secure. ^D".) In the meantime, the @AmericanExpress XXXX  account posted a tweet promoting a production of the theatrical play XXXX before acknowledging the ongoing issues on the account an hour later. The effect is worsened due to the outage occurring during the XXXX shopping season and on the day of the week that many working Americans receive their weekly paychecks, which American Express offers and promotes a direct deposit service for and is now unavailable to those using Serve and Bluebird debit cards.
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE MY PERSONAL INFORMATION WITH THE BELOW : NAME SHOULD ONLY READ AS FOLLOWS : XXXX XXXX XXXX ONLY ADDRESS THAT SHOULD BE ON MY FILE IS : ALL OTHERS SHOULD BE REMOVED AS THESE NON-MAILABLE XXXX XXXX XXXX XXXX XXXX, FL XXXX ONLY EMPLOYER THAT SHOULD BE ON FILE IS : ALL OTHERS SHOULD BE REMOVED AS THESE NON-MAILABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I had a Walmart credit card. I was paying the payments with no problem. Walmart with out notice or reason lowered my credit limit. I was never late on payments or deliquent. I called Walmart card services and was told they lowered it at their discression. I advised them it put me over my new credit limit and I was charged a over the limit fee. I stopped paying because I felt this was unfair to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Immediate Resolution of Repeated Documentation Requests Dear Equifax, I am writing to demand an immediate end to your repeated stall tactics in response to my disputes. Despite submitting my drivers license, Social Security card, and a utility bill with every communicationboth via certified mail and through the Consumer Financial Protection Bureau ( CFPB ) you continue to send identical form letters asking for documentation. This is an unacceptable practice and a clear violation of your obligations under federal law. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to investigate disputes and either verify the accuracy of the information or remove it within 30 days. By sending the same generic requests repeatedly, you are failing to conduct a proper investigation and delaying the resolution of my disputes. 

Additionally, your actions XXXX constitute an unfair and deceptive practice under the Fair Debt Collection Practices Act ( FDCPA ), as they serve no purpose but to frustrate and obstruct my attempts to correct inaccuracies on my credit report. Such behavior undermines the integrity of the credit reporting system and violates my rights as a consumer. 

I have escalated this matter to the CFPB for their intervention and request that you immediately : Cease sending repetitive letters asking for documentation I have already provided. 
XXXX a thorough and legitimate investigation of the information I am disputing, as required by the FCRA. 
Provide a written resolution of my dispute that complies with federal laws. 
Failure to resolve this matter promptly will result in further legal actions to hold Equifax accountable for non-compliance with federal regulations. 

I expect a substantive response, not another stall letter, within the legally required timeframe. 

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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX after making three ( 3 ) identity theft reports with the Federal Trade Commission, I was directed to Equifax located in XXXX XXXX. at XXXX XXXX XXXX XXXX. I Stated the reason and circumstances for my call. I.e. Identity theft. I took photos of my License, Social Security Card and selfie, then denied the credit report I was, under the Fair Credit Act of 1970, entitled to. Their word, not mine. And handed a list of hoops of fire needed to jump through before I could obtain what should have already been in my possession. Yes I am XXXX and feel once again violated and ridiculed. 
Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is falsely reporting my account history. THEY have not reported correct payment history with the original creditor. The credit bureaus are not verifying the accounts on my credit file correctly. I have never received the original binding agreement from these creditors nor are they reporting accurate payment history in over 90 days of disputes. Please send me proof of late payments and proof these credit bureaus are verifying the accounts with my signature. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.
Product: Debt collection

Several people from this place called my phone and my husbands, claiming to be working for XXXX XXXX and XXXX XXXX  connections wanting me to pay an old XXXX XXXX debt. I asked them to send this in writing. They did not. They tried several times to collect money from me over the phone, saying that it was not handled properly and that I owe XXXX XXXX a lot of money. They said I have to make arrangements. I was connected to several different people. I am XXXX and would appreciate them leaving me alone when I asked them to. I asked for something in writing and they said they would but instead keep calling up to 5-10 times a day telling me to call immediately.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX I # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : Northwest Consumer Dis # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Co XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again., Please block or remove these items that are erroneously reported in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} US DEPT ED XXXX Balance : {$11000.00} US DEPT ED XXXX Balance : {$10000.00} US DEPT ED XXXX XXXX : {$10000.00} US DEPT ED XXXX Balance XXXX {$6400.00} US DEPT ED XXXX Balance : {$10000.00} US DEPT ED XXXX Balance : {$4700.00} US DEPT ED XXXX Balance : {$6300.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$3600.00} US DEPT ED XXXX Balance : {$7300.00} US DEPT ED XXXX Balance : {$5400.00} XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX : {$1100.00} XXXX XXXX Balance : {$5600.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX  XXXX Balance : {$600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1700.00} US DEPT ED XXXX Balance : {$11000.00} US DEPT ED XXXX Balance : {$10000.00} US DEPT ED XXXX Balance XXXX {$10000.00} US DEPT ED XXXX Balance : {$6400.00} US DEPT ED XXXX Balance : {$10000.00} US DEPT ED XXXX Balance : {$4700.00} US DEPT ED XXXX Balance : {$6300.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$3600.00} US DEPT EXXXX XXXX Balance : {$7300.00} US DEPT ED XXXX Balance : {$5400.00} DP OF EDUC XXXX XXXX : {$10000.00} DP OF EDUC XXXX Balance XXXX {$4700.00} DP OF EDUC XXXX Balance : {$11000.00} DP OF EDUC XXXX Balance : {$6300.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$6400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$580.00} DP OF EDUC XXXX Balance : {$5400.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$4300.00} DP OF EDUC XXXX Balance : {$3600.00} DP OF EDUC XXXX Balance : {$7300.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$5600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This is my follow-up attempt to ensure the removal of the listed items
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " 11 CCS FOR XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' 11 CCS FOR XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, 11 CCS FOR XXXXXXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' 11 CCS FOR XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

Good day .My name is XXXX XXXX and my account in Chase ends ... XXXX .I would like to originate a complaint against Chase Bank because an abusive plan to rich to profit plan from thousands or may be millions people misfortunes during corona virus low resources in addition to report abuse on the good will of federal help people with the recent stimulus {$1400.00} per person check. The reported incident happens when i discovered a recent charge of - {$53.00} that took my balance over - {$43.00} over the limit in my account. 
The amount is not a large amount but if you applied that to thousands or millions of Americans will mount to millions of dollars of profit to them to the expense of working Americans and does not seem right and complained to them right in their front lobby in front of waiting customers and they did nothing to remove fees or else and all they told me with all their arrogance if wanted to close the account and told hem that they may take my {$53.00} but will take them to the consumer protection agency, the US gov and state attorney office because do not think is right especially when people are coming out of a one of worse US crisis. Their response was that at the time i deposited my check back my account was light over the limit and as a " courtesy '' the will deposit my check of {$2800.00} and i responded to them that have many banks account to deposit the check but i decided to my misfortune to deposit with Chase because trusted them and they never informed me at the time that the - {$53.00} will come my way later at the time of my deposit. i made a copy of the fee and how it affected my account and sure millions of Americans if needed to further fill additional data to the complaint