23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I lost my home in the Northern California Camp Fire. My insurance company issued me a check for {$210000.00}. My principal balance on my mortage was {$98000.00}. The check had my name and Ditech Home Loans as the Payee. I send the check to their claims department. I wrote Ditech a letter asking that my mortage be paid off and the remainder sent back to me. I sent the letter and the endorsed check via XXXX to Ditech, which they received on XX/XX/XXXX. I have called numerous times asking where my remaining money was, when were they going to close my mortgage and do a lien release and when they were going to send me the over-payment amount back. The last time I called was today XX/XX/XXXX. I was told that my check was applied as a payment and they had not closed my mortgage out. They could not tell me when I would received my over-payment check. It has been 2 month since they have had my funds and I need my funds to get my family back into a house. I don't know what to do. My Ditech account # is XXXX. The customer service number that I have been calling is XXXX. The account is under the name XXXX XXXX, though my name as reverted back to my maiden name : XXXX XXXX
Product: Vehicle loan or lease

SANTANDER CONSUMER USA has failed to respond to my NOTICE OF RESCISSION ; DEMAND TO RETURN ALL MONIES PAID for an alleged account with number XXXX. So, pursuant to TILA, 15 USC 1635 and Regulation Z, 12 CFR 226.23 ( A,2 ) ( D,1 ) ( D,2 ) I hereby exercised my right to rescind the transactions that is identified by the referenced account number for a total of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$41000.00} ), which included Down payment fee which at the first place according to the Law that I was NOT required to pay down payment to secure a loan, they made me pay for Dealer fee, Gross Trading Allowance, Dealer Admin Charge fee, Ext Service Agreement fee, Maintenance fee, Elect Filing fee, The Annual Percentage Rates fees, Total of Payments, and Total Sale Price, which were all illegal by the way. And BECAUSE A STATEMENT OF RESCISSION WAS NOT PROVIDED TO ME according to 12 CFR 1026.23 the notice was sent to SANTANDER CONSUMER USA to let them know that I needed to Rescind the transactions and to give me all my monies back and they failed to respond within those periods of 20 days I gave to them to respond based on the Law. So, they are in several violations, and I hereby exercise my rights to set them up for their FDCPA and FCRA violations to get back all my monies paid to them, and since they failed to respond to my NOTICE OF RESCISSION, I am declaring that legally if there was any property presented to me as the Consumer during this alleged transaction will be kept by me, as the Consumer.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 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: Vehicle loan or lease

I opened a car loan with navy federal credit union on XX/XX/XXXX, the car was repossessed In XXXX. After the repossession car was then sold at a auction. I was action member in a law suit against navy federal and the case closed On XX/XX/XXXX where navy federal paid on and agreed to delete the loans off of the trade lines of members in the law suite within 90 days of the case closing which wouldve been XX/XX/XXXX however this account is still negatively showing on my credit
Product: Consumer Loan

I had an account with Credit Acceptance the vehicle was repossessed in XXXX. The balance was paid via settlement back in XXXX XXXX. The company agreed to the payment and accepted it. Since I paid them. They have been reporting inaccurate information on my credit report. They refuse to return my calls. They are now reporting a made up collection balance that I do not owe and maliciously messing my credit up. I have no recourse but to beg for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$33000.00} XX/XX/22 I DO NOT HAVE SS # XXXX 15 U.S.C , 1681section 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. 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 reporting agency if 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

According t

o 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any
debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On around XX/XX/XXXX through XXXX I received correspondence from Well Fargo on my legit Federal file complaints of Discrimination and Retaliation, Identity Theft and Violations of my ADA Disability Act under Department of Justice. 

So Wells Fargo XXXX XXXX XXXX Lending Executive Case Specialist states that there is no wrong doings or violations of Federal and State Laws on the issues of Wells Fargo keeping my former checking account open so a Wells Fargo XXXX Customer can use my identity and information to obtain a Home Mortgage. 

Why Wells Fargo allow this issues to occur with my private information and identity and keeping a old checking account open until XXXX? 
Wells Fargo conducted a research and stated that a former checking account was open on XXXX XXXX, and account closing on XXXX XXXX and why Wells Fargo kepted this account open when I requested to be close back around XXXX 's.? 

Wells Fargo states they made a error and respectfully and I say this is a major error in using my identity and private information and doing a fraud, Scandal and Corruptions.. 

Why Wells Fargo is not providing me and Federal Government any evidence of Checking account ending # XXXX with Wells Fargo Visa Debit Card purchases, Bank Statements and Opening a account application with my Official Hand Written Signatures when this checking account and Home Mortgage was open around the XXXX XXXX? 
Who was my employer in the XXXX and it should have been noted on the application when checking account was opened at Wells Fargo and what Wells Fargo Brancg account was open in California? 
On XXXX XXXX Wells Fargo stated that a email was sent to me and what was my email address and why the email was sent to me? 
FBI can archive my emails for evidence. 

Also, Why does Wells Fargo wants me to cash or deposit a {$26.00} Wells Fargo check immediately on a checking account # XXXX and Home, Mortgage that is in Fraud, Scandal, Corruptions and Violations of Federal and State Laws? 

I am not going to cash no check of $ XXXX.I am holding this check as evidence as I am respectfully requesting a FBI investigation and I have made contact with Leaderships in the White House in Washington, D.C .
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX / ACCOUNT NUMBER XXXX XXXX. XXXX XXXX / ACCOUNT NUMBER XXXX XXXX. XXXX  ACCOUNT NUMBER XXXX XXXX. XXXX XXXX ACCOUNT NUMBER XXXX XXXX. XXXX XXXX XXXX / ACCOUNT NUMBER XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

Original loan in XX/XX/XXXXwith bank XXXX XXXX, sold to secondary servicers, from XX/XX/XXXX until the other servicers went under and XXXX XXXX XXXX brought all their loans. In XX/XX/XXXXXXXX sold my loan to XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX to XX/XX/XXXX.
Then Ditech XX/XX/XXXXtoXX/XX/XXXX. Now another servicer ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX currently. I have had only two modifications : one in XX/XX/XXXX and then one just recently XX/XX/XXXX. Now they have sold my loan to another servicer. One thing that I discovered when I had my last modification, was that XXXX still owned the mortgage ( ditech ). Just recently, I received a email stating that I sent a letter to request to pay my own escrow? I have never given anyone nor have I sent a letter to request to pay my own escrow. Question, why are they doing this and do I have any recourse to stop the continuous selling of my loan? Attached you will find supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below : - XXXX/Dept of Ed - XXXX - XXXX/Dept of Ed - XXXX I demand the accounts be verified or removed immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I went to the bankruptcy court and asked do the report bankruptcies to the credit bureaus and they gave me a signed letter stating They do not report to any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX Accurate. 

Ive written the credit bureau plenty of time about the inaccuracy in XXXX, XXXX, XXXX, XXXX, Ive even showed that XXXX deleted the bankruptcy on XX/XX/XXXX, which Experian and XXXX claims how they validated the bankruptcy info They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. There are accounts with XXXX, TransUnion, and XXXX opened on my account that arent mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I used Experian credit XXXX XXXX to raise by credit score by linking by bank account. My regularly paid bills such at internet, cell phone and utility bills helped raise my score. this raised by score 39 points. I deleted the connection and my credit score was lowered. I attempted to reconnect my bank account and was denied and have been denied since, today is XX/XX/19.. I entered my bank account information, website, address etc. I sent numerous inquiries to Experian about being denied the XXXX XXXX. I continue to be systematically denied a service that can increase my interest rates on credit cards and my recent installment car loan on XX/XX/19. Because I'm a member of XXXX XXXX XXXX Experian has systematically denied me the right to have services that will increase my credit score thereby giving me access to better interest rates. As a result I'm subjected to predatory business practices that have increased my interest rates on my car loan and credit card. I'm being treated unfairly and discriminated against because I'm not a member of a certain banking group. Systematic discrimination practices by Experian not to offer me the benefit of using their XXXX XXXX  has cost me thousands dollars more on my recent car loan. This is unfair and illegal! I want to be made whole.
Product: Debt collection

XXXX XXXX XXXX HIRED CAVALRY TO SKIP TRACE ME AND FAMILY MEMEBERS TO LOCATE ESTRANGED BROTHER AND SISTER -IN-LAW, WHILE VIOLATING OUR PRIVACY AND HARASSMENT VIA PHONE, ( SEE ATTACHED INFO ) ALL ARE IN VIOLATION OF FDCPA AND TCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous inquiries listed below continue to report on my credit report in violation of federal law.These inquiries must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not verify these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive reported inaccurate and unlawful accounts that have not been verified to me they remove XXXX XXXX XXXX only to add as a active account when that account was open fraudulently without any verification of me opening the account and then providing accurate proof or validation of the account i requested in turn this has remarkably ruined my credit and defamed my credit
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is another letter that I am a victim of identity theft and I filled a complaint again to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items are a mystery to me : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

received my statement from barcleys upromise account and was charged over XXXX dollars from XXXX XXXX called company and customer said they would refund the amount and send me a new card aprox the first week of XXXX pulled up my new account and more charges were added to the new card so I called customer service again and was told the first person was wrong and they couldnt stop XXXX from charging me to get ahold of XXXX which I did and they said I didnt have an account with them called customer service back and explained to them I didnt have an account with them and they said there is nothing they could in the mean time XXXX charged my new account over XXXX dollars my only solution was cancel the card which I did
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$2200.00}.
Product: Checking or savings account

On XX/XX/XXXX I called XXXX Arkansas ( XXXX ) to pay an electric bill with a debit card ( checking account ) for {$190.00} ( Cadence BankXXXX ) . Apparently they use ( possibly a subsidiary ) XXXX XXXX ( XXXX ) to handle these types of transactions. I have proof from a bank statement dated XX/XX/XXXX that XXXX did receive this payment which was posted by the bank on XX/XX/XXXX. However, the utility account was never credited and the power has been disconnected ( this is for a garage apartment this is a rental property... presently unoccupied. An invoice was mailed XX/XX/XXXX showing a past due amount of {$250.00}. I contacted XXXX Customer Service ( same number as above ). Three different representatives gave me three different responses. ( 1 ) " Let me see if I can reach out to someone and see why your account was not credited '' ( while on hold they terminated the call. ( 2 ) " You must send your inquiry via e-mail and that's all I can tell you ''. ( 3 ) " We can not help you. You must call XXXX XXXX ''. I called XXXX XXXX yesterday ( XX/XX/XXXX ). During two calls I was placed on hold for over 30 minutes each time and never got to speak with a representative. Today at a local authorized payment location ( XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX Arkansas ) I paid {$280.00} in cash to pay the last bill in full and a {$39.00} cash payment to have power reconnected. Of course, the {$280.00} amount included the {$190.00} already paid but not credited. No one would take any responsibility or try to help me find out why my debit card payment was unaccounted for and misplaced. This is an example of an abusive, incompetent monopoly.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681i ( 5 ) In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXXhas violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions