23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX/XX/XX/XXXX my mortgage payments were being delayed due to a changed of my income and household finance. I notified my mortgage company XXXX XXXX and asked if I could qualify for a hardship help. I received the papers in the mail and immediately faxed them back to the person who was assisting me XXXX XXXX XXXX. XXXX XXXX told me that my paperwork was submitted and that he would let me know what the outcome would be. I received a call around the end of XX/XX/XXXX, and I spoke to a XXXX XXXX XXXX, he explain to me that he is the new person on my case that will be helping me in my modification and that somehow XXXX XXXX has misplaced all of my documents. XXXX XXXX stated in order for me to be consider the committee said I must complete the documents over again, and so I did. So XX/XX/XXXX I faxed all the documents that was requested in to XXXX XXXX all that I did not faxed I email to him and was waiting on his response. A week later XX/XX/XXXX, XXXX XXXX stated that the documents were missing and some were expired, he also stated that I had a certain amount of days to get those documents in and I did. XX/XX/XXXX in the first week came and I received a call from XXXX XXXX and again he stated that he not yet to receive the documents that I faxed to him and my filed has been on hold because of this matter. By this time I am upset because I feel as if someone is not being truthful to me because I know I have sent the required documents several times and I am being brushed off. On XX/XX/XXXX, I received a call from XXXX XXXX XXXX and again the documents were not in, and most of them were expired, I were just shocked. So I expressed my concerned about this issue and said that " XXXX XXXX has a history of taking property from people that has problems making payments '', and I stated that I am going to talk to someone and get some help with the Better Business Bureau or the Federal Trade Commissioners office and when I made that statement XXXX XXXX became very upset with me and reassured me that this is not the issue. On XX/XX/XXXX, I received in the mail a notice that my home was being foreclosed and it was filed on XX/XX/XXXX. I felt as if the mortgage company did that because of my threat to report them of their unfair practice. I have enough equity to refinance or take a second loan out but I was not giving that option at all or consider that option at all. I have documents to back up the dates what was sent to each of the representatives that was fax and time, date.
Product: Mortgage

made payment. Ocwen is saying. I was late. payment got to them by XX/XX/2017. 
now they want me to pay a late fee. 
I dont think this is right
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX made XXXX unauthorized hard inquiries on my credit. XXXX XXXX XXXX XXXX XXXX no amount listed only has XXXX Credit card XXXX XXXX their name. XXXX XXXX XXXX, XXXX same situation. They list no contact info and my attempts to contact someone willing to claim responsibility have failed. 

XXXX made XXXX hard inquiry on XXXX XXXX, XXXX no amount listed only Mail order firms listed. They also list no contact info and my attempts have failed to find party responsible. 

XXXX XXXX made a hard inquiry on XXXX XXXX, XXXX No amount listed only XXXX XXXX XXXX XXXX. They also list no contact info/ my attempts have failed here as well. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX No amount listed/ no contact info. My attempts have failed. 

Below is an actual copy and paste from my Credit Karma account : Inquiry details XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. 
This inquiry could stay on your report untilNov XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX from XXXX XXXX, XXXX - Mail XXXX Firms This inquiry could stay on your report untilSep XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX XXXXnquiry from XXXX XXXX, XXXX - XXXX XXXX XXXX. 
This inquiry could stay on your report XXXX XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
Citibank XXXX XXXX from XXXX XXXX, XXXX - XXXX Loans XXXX. 
This inquiry could stay on your report untilJul XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor. 
XXXX XXXX XXXX, XXXX A Inquiry from XXXX XXXX, XXXX - XXXX Credit Card XXXX. 
This inquiry could stay on your report XXXX XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX contact information has been reported by this creditor.
Product: Checking or savings account

On XX/XX/2020 a deposit account was opened with Wells Fargo with a {$50.00} opening deposit that posted to the account on XX/XX/2020. In subsequent weeks, beginning on XX/XX/2020 the account began receiving benefits from the Department of Labor.  These direct deposit transactions were for third parties who have given authorization for these benefits to be deposited into this account on their behalf, while they were in the process of opening bank accounts of their own. Weekly payments were routinely deposited into the account with no withdrawals. On XX/XX/2020, Wells Fargo informed me the deposit account was slated for closure by XX/XX/2020 due to " one or more money transfers to your account reported as unauthorized. '' I contacted the Department of Labor at XXXX EST on XX/XX/XXXX and confirmed that the transfers into this account was authorized and not in dispute. I then confirmed with the third parties their continued authorization. Upon speaking to an agent in the Prevention Contact Center at XXXX EST on XX/XX/XXXX, I was informed that I would need to come into a branch to prove my identity. I scheduled an appointment the same day and met with XXXX XXXX at the branch located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX on Wednesday, XX/XX/XXXX at XXXX, who informed me, after conferring with his manager and his contact at the Prevention Contact Center, that I would need to return with the third parties in order so that they are able to confirm their authorization in person, to a Wells Fargo representative. Upon doing so, access to the funds would be restored. The same day, at XXXX EST, I confirmed this with an agent at the Prevention Contact Center. 

I informed all parties that one individual was immunocompromised and would have severe difficulty in coming to the branch and was told that a fax containing the required documentation would not be sufficient and that despite her age and preconditions, she would need to come in person to a branch. 

I arranged transportation for all parties to come into the branch with two forms of identification, as asked, along with confirmation of authorization from the Department of Labor. On XX/XX/XXXX and XX/XX/XXXX, I met with XXXX at the aforementioned branch, who reviewed the case and confirmed the account would be reinstated if all the necessary documentation was provided before XX/XX/2020. This was doubly confirmed by an agent that he spoke with at the Prevention Contact Center. He made copies and faxed over the necessary documents during each visit. On XX/XX/XXXX at XXXX EST, I went into a Wells Fargo branch at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and was informed that despite providing all of the necessary documentation, the account would continue to be restricted. As of today, XX/XX/2020, the account continues to have all withdrawals restricted.
Product: Payday loan, title loan, or personal loan

On a XX/XX/2021 @ XXXX XXXX, sir-mam I had got a phone call a robocall from an US bank from the phone number XXXX, concerning financial issues and I XXXX XXXX XXXX accepted an offer that was made by acts of the US Bank, my acceptance of the offer was hereby approved do the officials of US Bank agree or disagree with such an act of the US Bank. In addition the depositing of such funds hereinto my bank account no., is still in progress do the US Bank officials agree or disagree with the process as the funds are being deposited, thereinto my Bank account. In addition, sir-mam myself XXXX XXXX XXXX had an agreement for therein US Bank for a financial assistance as a consumer from acts of the US Bank sir-mam do you as an official for an US bank agree or disagree. You sir-mam as a US bank official must hereby respond hereto the cause or matter for the hereinabove within a 72 hrs. time frame thereafter receiving this legal notice do you agree or disagree. Your response hereto this cause or matter, concerning the hereinabove must hereby officially be within a written statement concerning the hereabove cause or matter do you agree or disagree. Also if you sir-mam do not respond hereto this legal notice, sir-mam you can and will hereby ruled within a default and therefrom that default proceeding ( s ) will hereby begin do you agree or disagree. Therefrom your written statement must hereby officially be delivered to myself, as a service hereto myself an XXXX XXXX XXXX, hereat this email-address XXXX. In addition this is a non-litigation notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I would like to make a complaint on how the Experian and XXXX credit dispute personnel are not doing a proper investigation on my credit dispute. XXXX  however, is reporting correctly, after disputing with them. 

This is also the 2nd time I have disputed with Experian and XXXX with additional information from my bank as well. Disputing multiple times has caused my credit score to drop. 

The dispute is over a late payment that I have with XXXX XXXX XXXXXXXX on an account that was closed back in XX/XX/2017. The late payment was XX/XX/2017 when the account was closed. The issue is that I have had a {$0.00} balance and the account was fully paid off yet I was still reported as having a late payment during the time of having {$0.00} balance. 

I have even talked to XXXX XXXX XXXXXXXX representatives who state that if the balance was {$0.00}, it is impossible to get a late payment. Unfortunately, they can not send me any documents about my account because it was closed years ago, and they don't have access to it. 

The credit bureaus report on having a {$0.00} balance but somehow fails to recognize that the late payment was during the time of {$0.00} balance so I don't understand how it could be late when nothing was owed. 

Thank you for reading,
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In 2019 someone broke into my car and stole my belongings and my identity. I was not aware of this collection on my credit report opened XXXX XXXX .I made a police report The amount of {$1200.00} I should not be held responsible for this
Product: Debt collection

I had medical issue with XXXX, a for-profit hospital that has a reputation for padding their medical statements. Medicare paid for the services rendered stating in their CSM summary that " u this service paid under another service provided on the same day '' which means that XXXX was padding the billing. I sent a letter to XXXX protesting the additional billing as it exceeded CMS handbook, and that they had not sent me the actual billing codes submitted to Medicare. My understanding is that I should have been billed only the deductible and not the {$430.00} that Medicredit claims I owe. I do NOT owe Medicredit anything as I NEVER received any services from this disreputable band of thugs, and I am still waiting on SageWest to confirm that they know they were PAID IN FULL by Medicare. I am deaf but I think Medicredit has been making multiple calls to my text phone but they never leave a message to confirm who they are. This is harassment and burning up minutes on my text phone that I need for emergencies.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Subject : Dispute of Alleged Debt and Request for Validation Dear Sir/Madam, I am writing to formally dispute the alleged debt associated with your company, as well as to request validation of said debt in accordance with the provisions outlined in the Fair Debt Collection Practices Act ( 15 USC 1692 ), the Consumer Financial Protection Bureau ( CFPB ) regulations ( 12 CFR 1006 ), and the Fair Credit Reporting Act ( 15 USC 1681 ) .

In accordance with 15 USC 1692c ( c ), I am hereby requesting that all communications regarding this alleged debt cease immediately. Furthermore, I am invoking my rights under 12 CFR 1006 .34 ( b ) ( 5 ) to revoke any consent previously given for communication via email, text, or phone calls. Therefore, any further communication from your company should be directed solely through written correspondence to the address provided above. 

Per 12 CFR 1006 .34 ( c ) ( 4 ) ( i ), I am disputing the validity of owing any and all debts to Southwest Credit Systems. As such, I request that you provide verification of the debt, including but not limited to : The original creditor 's name and contact information. 
Documentation proving that Southwest Credit Systems has the legal authority to collect this alleged debt. 
A complete accounting of the alleged debt, including the original amount, any interest or fees added, and a breakdown of any payments made. 
Any agreements or contracts bearing my signature or other evidence proving my obligation to pay this alleged debt. 
Additionally, pursuant to 12 CFR 1006 .34 ( d ), I am formally requesting a copy of the purchase agreement between Southwest Credit Systems and the original creditor pertaining to the alleged debt. 

Finally, I am also requesting that you furnish proof of your company 's licensing and bonding, as required by law ( 15 USC 1681 - S 2 ( 7 ) ( A ) ). 

Please note that until the requested information is provided and the debt is validated in accordance with the above laws and regulations, any attempt to collect this alleged debt or report it to any credit bureau will be considered a violation of my rights. 

Thank you for your prompt attention to this matter. I expect a response within 30 days of receipt of this letter, as required by law. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 Balance {$1600.00} and XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 XXXX {$270000.00}.
Product: Credit reporting or other personal consumer reports

Dear Sir or XXXX, I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. It was for a capital one silver card for the amount of {$1000.00}. I did not open or authorize this account, and I therefore request that it not only be closed immediately, but also the credit inquiry that was placed on my credit reports be removed also.
Product: Credit reporting, credit repair services, or other personal consumer reports

These two companies continue to report false/ inaccurate information on my Consumer Report. Ive contacted both companies asking for Validation of the information their reporting on my profile and I have received anything, so according to Fair Credit Reporting Act i know they have 30 days to respond to any issues I have but its been beyond 60 days with no response. 
Please Update my account by deleting XXXX XXXX from my Report
Product: Credit card or prepaid card

This is a new card for me. On XX/XX/XXXX, I accidentally paid my entire balance twice, a transfer from my bank. I called immediately and was told no problem, it would be reversed in 3 days. The payment in error was {$9600.00}. On the XXXX I called again as it was not reversed. I was first cut off, then told " sometimes people say the wrong things, you understand? '' and then told it would be 10-15 days before they would credit my account for the double payment. I called back to complain and close my card. Today I received an email saying it would be 90 days. They have lied to me 3 times. I double paid my bill by accident and now they are saying 90 days to credit back over {$9000.00}.
Product: Credit card

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS ON MY REPORT. I HAD A XXXX IN 2019 AND MY PERSONAL INFORMATION WAS COMPROMISED THAT SAME YEAR AND AGAIN DURING THE XXXX DATA BREACH. I HAVE NO KNOWN KNOWLEDGE OF THESE ACCOUNTS AND THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Product: Bank account or service

Person with account at XXXX XXXX XXXX XXXX cashed my check of {$110.00} for {$1100.00} by altering the amount of the check and name on the check. Blatant fraud. Check was obviously altered. Have been back and forth with my bank, Chase, and XXXX XXXX XXXX to try to recoup my money which was taken out of my account by their error. Check number XXXX which was cashed on on XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and I still have not been reimbursed. I have made numerous visits to both banks and am still getting the run-around.
Product: Credit reporting or other personal consumer reports

In accordance to with the Fair Credit Reporting act XXXX account name Child Support Enf AG/N, account number XXXX, has violated my rights. 

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: Debt collection

I just received a letter from someone impersonating an officer working for the government threatening to garnish and arrest me. I have never received anything in writing from this creditor for this loan. Years ago I did apply through ACE but it 's since been discharged in my Chapter XXXX bankruptcy back in 2012. I have asked them to stop threatening and contacting me but to no avail. Now they are threatening me in a written letter which I am attaching.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 and XX/XX/2023 I send dispute letter to Experian, XXXX and XXXX asking them to remove or correct any errors, XXXX XXXX XXXX account # XXXX which is Missing Paid Off, and Original balance and Payment Summary are different on Experian and XXXX in violation of 15 U.S.C. 1681. warning them that they are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their first and second re-investigation, they stated that they verified that these items are being reported correctly and yet still nothing got removed or updated.
Product: Debt collection

She called me a loser and told me she is going to garnish my wages. I sent a cease and desist letter on this debt, but she said it was sold to another company. She would not give me her name and has called me 6 times after I asked her to stop. I was able to obtain her number she was calling from. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I received a investigation letter and a updated consumer credit report from Transunion. The investigation for XXXX XXXX XXXX  states that the dispute information was VERIFIED AS ACCURATE. XXXX XXXX XXXX  is a CHARGE OFF account. A CHARGE OFF SHOULD NOT SHOW A PAST DUE BALANCE OF {$990.00}. This is INACCURATE REPORTING. Copies of the investigation letter and the updated consumer report are attached for proof. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.