23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2022 I applied at Wells Fargo Bank to refinance my mortgage. I provided Wells Fargo all the required documentations. Wells Fargo requested that I had to pay an upfront appraisal fee before they could review my documents. I paid {$690.00} for appraisal fee and completed the appraisal. Few days later, Wells Fargo requested for more income documentations. After I provided requested documents, Well Fargo denied my application for insufficient income. 
I believe this was totally unfair business, Wells Fargo Under Writers and Loan Processors could have verified my income before requesting for a full appraisal fee. I had pay for full appraisal up front and later find out that I don't qualify because of insufficient income. I requested Wells Fargo for the appraisal fee to be returned to me but they denied. This is unfair doing business with consumers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX have denied my person a 1099c for an account that was charged off over 4 years ago. I keep asking them to send a 1099c and the representative keep saying they dont send them out. This account was sold to a debt collector who tried to collect on that debt but failed to provide accurate information to myself. XXXX XXXX bank post to my credit file ( Transunions ) but will not send me a 1099c for that debt they in fact charged off. Charged off/written off debt are considered income and thus is a violation of my consumer rights. This is account is over XXXX send my 1099c
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding LexisNexis Risk Solutions for erroneously reporting an at-fault accident on my consumer report that allegedly occurred in XX/XX/year>. This inaccurate information is negatively impacting my insurance rates, as it has been used by insurers to justify higher premiums. 

I have attempted to dispute this error with LexisNexis, but the dispute process is overly complex, burdensome, and not user-friendly. Despite providing sufficient evidence to demonstrate that this accident should not be attributed to me, LexisNexis has failed to properly investigate and correct the error on my report. 

This incorrect reporting is causing financial harm by inflating my insurance costs, and I am requesting the Consumer Financial Protection Bureau 's assistance to compel LexisNexis to correct my consumer report promptly and improve the fairness and accessibility of their dispute resolution process
Product: Credit card or prepaid card

I always kept my account in perfect standing, always making payments on time & had just paid my account off. I kept expecting that they would give me a credit increase. But I applied for an upgrade to a Visa card through this chain before XXXX & was turned down. That was my first shock. Then a few weeks ago I went into the store to make a purchase & it declined. I called immediately from my car & they told me they had closed my account. I was totally shocked & in tears. Then about a week later I got a letter in the mail from them about it! They told me my account was in excellent standing. I have had XXXX XXXX this past year & a few things fell through the cracks that my husband was paying. He had also applied for some refinancing on our car & the hard checks brought my credit down. All no fault of my own. I think this is totally unfair that they closed my account when it was in excellent standing. And it wasnt like I had a huge credit limit. Only {$300.00}! I had been working on building my credit back up prior to getting XXXX XXXX. I had done really well getting my scores up. I had gotten up to almost 700. My account should not have been closed! How can anyone ever build their credit if banks treat people this way?! It should be illegal. Thank you for your assistance!!
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, I am writing to you regarding the matter of Account Number : XXXX As a consumer, I am invoking my rights under the Fair Debt Collection Practices Act, specifically under 15 U.S. Code 1692c.

a ) Communication with the consumer generally : I do not grant my prior consent for any further communication from you, either directly or indirectly, regarding the collection of any debt. Henceforth, I demand that you cease any such communication with me. 

b ) Communication with third parties : You are not authorized to communicate with any third party regarding the collection of this debt. I have not granted permission for such communication, and I insist that you adhere strictly to this provision of the law. 

c ) Ceasing communication : I am formally notifying you in writing that I refuse to pay the debt in question, and I request that you cease all communication with me concerning this matter. Your compliance with this request is expected without delay. 

Furthermore, I demand that you cease any detention or reporting of my consumer report in connection with this debt. Any such action would constitute a violation of the law, and I expect full compliance with the Fair Debt Collection Practices Act. 

This letter serves as a final notice for you to cease all communication with me and any detention or reporting of my consumer report, as mandated by law. Failure to adhere to these legal requirements in any future communication will be considered a violation of the Fair Debt Collection Practices Act. 

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

In XX/XX/XXXX I reviewed my credit report with FICO.On there I notice an reinserted item that was previously deleted on credit report in XX/XX/XXXX.in accordance with the requirement of FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days and this never happened. ( B ) Requirement relating to reinsertion of previous DELETED material. ( ii ) NOTICE TO CONSUMER.If any information that has been DELETED from the consumer 's file, the consumer reporting agency shall notify the consumer of the reinserted in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose by any means available to the agency. I received no Notice of this reinsertion and this is a very serious violation of FCRA. I sent Equifax a letter on XX/XX/XXXX certified on XX/XX/XXXX to inform them of this reinserted item on my credit report that was DELETED and has now been put back on my report without notification of these action within 5 business days.Credit confirmation # XXXX dated XX/XX/XXXX will show remarks that XXXX XXXX # XXXX is not reporting on credit report, confirmation # XXXX dated XX/XX/XXXX will also show remarks that XXXX XXXX s & XXXX are currently not also reporting on credit report. HERE IS A LIST OF CREDIT REPORT ALSO NOT EVEN REPORTING ON CREDIT REPORT # XXXX= XX/XX/XXXX, # XXXX =XX/XX/XXXX, # XXXX= XX/XX/XXXX, #  XXXX=XX/XX/XXXX, # XXXX= XX/XX/XXXX, # XXXX=XX/XX/XXXX, # XXXX=XX/XX/XXXX, # XXXX=XX/XX/XXXX, # XXXX=XX/XX/XXXX, # XXXX=XX/XX/XXXX. I received a letter back from Equifax on XX/XX/XXXX stating everything is accurate and verified and there has been updates never addressing the real issue THE REINSTATE WITHOUT NOTICE THAN THEY GOING TO SAY THE ACCOUNT HAS BEEN UPDATED HOW CAN YOU CHANGE AND ACCOUNT # ON AN ITEM THAT WAS # 1 REMOVED OFF CREDIT REPORT BUT UNTIL I SENT IN LETTER THE ACCOUNT NUMBER WAS THE SAME AS THE ONE REMOVED NOW IT HAS CHANGED COPIES ARE ENCLOSED WITH THE ACCT NUMBER THAT WAS REMOVED NOW ACCT # CHANGED. THEY HAVE VIOLATED THE LAW AND IT NEEDS TO BE REMOVE AND NOT PUT BACK WITH NEW ACCOUNT # LOOK AT ALL REPORT AND IT WILL CONFIRM THIS ITEM WAS NOT REPORTING UNTIL ILLEGAL REINSERTATION IN XX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I have filed a complaint with CFPB about Santander not deleting their reporting on my credit reports for the Multistate Santander Settlement which they replied " The State of Maryland is not part of the Multistate Santander Settlement '' when in fact Maryland is part of the Multistate Santander Settlement so for your wasting my time and lack of knowledge please delete the your inaccurate filing off my credit report the debit is no longer. And, please if you response back with this inaccurate fact trying to lew-ed me away from a relieve of your companies [ Santander ] criminal conduct I will sue you in State and Federal court to get my removal and a {$650000.00} Settlement for wasting my time.
Product: Money transfer, virtual currency, or money service

I did a bill pay into my XXXX from XXXX XXXXXXXX XXXX into my XXXX XXXX XXXX account for {$22000.00} on XX/XX/year>. A couple weeks prior to that I did the same type of transaction for {$100.00} which went through as a printed check, the payment of {$22000.00} went through as an electronic payment for some reason and my XXXX does not accept electronic payments. 

I have spoken to XXXX XXXX extensively and they said they processed the payment and they gave me a proof of payment- they can not confirm it was received. XXXX XXXX has no record and researched it and found that the routing number is a CHASE routing number. I can not get anyone at Chase to look into this for me, XXXX XXXX is also not helping me, XXXX is saying they do not have any record of the transaction. Please help. The transaction posted on XX/XX/year> and {$22000.00} was removed from my account and now is nowhere to be found and I am getting the run around.
Product: Debt collection

I can not " opt out '' of this fraud XXXX from zelle. their link is XXXX. 
this is the " real '' zelle. not some impersonator. there is a court order from XXXX to send these emails. these are fraud. i don't want them contacting me. it is harassment. early warning system denied zelle was contacting me when they responded to my last cfpb complaint, which is insulting and incorrect. you are still harassing me! STOP! SEND ALL CONTACT HERE : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute with XXXX, XXXX, and XXXX  for Portfolio Recovery Acct # XXXX ( Docket no XXXX ). My dispute was Portfolio Recovery is reporting a " higher amount '' for the original charged off amount and the amount currently owed. Portfolio is " rounding '' the amounts to the next dollar. This is not an accurate reporting of what is actually owed. Portfolio " verified as accurate '' and only " updated '' the " date of balance '' for the disputes and sent me multiple duplicate correspondence letters ( ref # XXXX, ref # XXXX & ref # XXXX ) which show I was correct about the exact money amount that should be reporting. ( documents uploaded ). The original sold amount was {$500.00} not {$500.00} as being reported to the Credit Reporting Agencies. They also sent a balance owed correspondence showing {$500.00}, not {$510.00} as being reported to the Credit Reporting Agencies. ( documents uploaded ). The dispute should have changed the " amounts '' instead of being " verified as accurate ''. The credit reporting agencies noted a remark saying " item disputed. Consumer disagrees. Meets FCRA requirements. '' Verifying an 'inaccurate " amount does NOT meet FCRA requirements. 
Upon further investigation of this account, I found correspondence from the Trial Court of Massachusetts, ( documents uploaded ) where the Attorney for Portfolio Recovery entered a ACKNOWLEDGEMENT OF SATISFACTION OF JUDGEMENT for this account on XX/XX/XXXX. They notated this account was FULLY SATISFIED. This means the account has actually been misreporting to the Credit Reporting Agencies and should have reflected a {$0.00} balance since XX/XX/XXXX. I filed another dispute for this account, with the 3 CRA 'S on XX/XX/XXXX to upload the additional information from the court.
Product: Debt collection

I have asked Optimum Outcome to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting

I never lived at the adress XXXX claim I had service at it been living in XXXX since 2007 I never moved back XXXX
Product: Credit card

I use XXXX XXXX 's bill payment service. All payments are paid as scheduled except for my Citibank Visa. On a few occasions, according to Citi, my payment has arrived a few days late ; even though XXXX XXXX 's records indicate the payment was sent as scheduled and should have actually arrived a few days early! Citi has credited my " late '' payment once ; but now refused to do so and has no explanation why a check is required ( from XXXX XXXX ) instead of electronic payment or any proof that the mailed payment was received late. The most recent occurrence was for payment due on XX/XX/XXXX. XXXX XXXX indicated the payment was delivered on XX/XX/XXXX and Citi claimed it was received XX/XX/XXXX. I was charged ~ {$30.00} for late fee and interest on a {$60.00} balance ( 50 % penalty )! 

I suspect Citi is requiring checks knowing that it provides more opportunity for delays and for them to charge late fees, as well as harder for customer to prove delivery time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was used without my permission. This was fraud committed by XXXX XXXX XXXX XXXX XXXX XXXX. I did not purchase a car from this car dealership. The dat was XXXX XXXX2019. The reference number is XXXX. The loan company is XXXX XXXX.
Product: Debt collection

Received debt collection letter dated XX/XX/2022. For debt incurred in XX/XX/2022 through XXXX XXXX in Texas. Address XXXX XXXX XXXX XXXX Texas XXXX. I have never lived in XXXX. I live in XXXX  and have lived here all of my life. I am currently a XXXX XXXX in the XXXX XXXX XXXX 
I have a background check done twice a year. The amount incurred is $ XXXX This is my XXXX claim for credit fraud in other states as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Equifax 's data breach which exposed millions of American 's personal information to unknown sources. As a result, I could be targeted for identity theft or other financial crimes. This is one of the largest breaches of information in history and Equifax failed to keep this very sensitive information safe.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Record type Bankruptcy XXXX  XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated rights. 


15, U.S.C 1681 Section 602 A states I have the to privacy.

15.U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

am submitting this complaint as a victim of identity theft that has led to unauthorized accounts being opened in my name, specifically a fraudulent credit card account with Capital One ( account ending in XXXX ). 

Key Details : XXXX. I first reported this fraudulent account to Capital Ones Fraud Department and submitted a formal FTC Identity Theft Reporta legally binding document affirming I am a victim of identity theft. 
XXXX. Despite this, Capital One conducted an internal investigation and concluded that no error was found, dismissing my evidence without cause. 
XXXX. I sought assistance from the XXXX XXXX XXXX Department, who informed me they do not issue police reports for such matters. They advised me to file an XXXX complaint, which I have now submitted. Since they advised me they will also dismissed it XXXX. Capital One has refused to accept my FTC Identity Theft Report or my recent XXXX report, forcing me to escalate this matter. 

Legal and Consumer Concerns : Capital Ones refusal to act on legally sufficient evidence violates my rights under the Fair Credit Reporting Act ( FCRA ). By dismissing my FTC report and refusing to accept my XXXX report advise in a call with the fraud department manager that they wont accept it even if I submitted it, they are revictimizing me and failing to fulfill their obligation to investigate and resolve identity theft claims properly. 

Supporting Evidence : FTC Identity Theft Report XXXX Complaint Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I settled the debt in XX/XX/XXXX and since then I have received various phone calls throughout the years claiming I still owe the debt and will be sued. Today I received a call from XXXX who was willing to tell me my social security number, addresses, maiden and married names, and said they 're going to file against me for this very debt. This is not the only company to call me about this over the last 11 years ( the account was originally charged off in XX/XX/XXXX ). I need these harrassing calls to stop. XXXX XXXX XXXX ( the original debt ) confirmed today that it was charged off and sold to XXXX XXXX XXXX in XX/XX/XXXX, and that business is closed. I settled and paid to XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, and they are also closed. How can I track down what happened with my settlement and make the collections stop?
Product: Debt collection

I received a letter in the mail from The Bureaus Investment Group on XXXX/XXXX/2020, stating I owed them {$540.00}. I sent them a debt validation letter ( see complete mail exchange attached ) & received a response that does not constitute proper debt validation per The Federal Trade Commissions guidelines. All I received was an itemized list of the alleged charges they claim I owe. I requested Validation that is competent evidence bearing my original hand signed signature showing a contractual obligation to pay them. The Bureaus Investment Group is still reporting this collection activity on my credit report, even after they have failed to send proper debt validation. They are in violation of the FCPDA. This erroneous & invalidated information they are reporting to all 3 credit bureaus ; XXXX   XXXX , & XXXX is causing great harm & embarrassment to my life. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. It is also causing me severe problems in trying to purchase a home for my family during this pandemic.
Product: Credit card or prepaid card

XXXX of 2019 Several purchases was made on 2 of my citi cards.Citi left several messages on my answering machaine to let me know some fraud activity was going on concerning my cards.They keep rebilling me for some purchases I didnt do or authorize anybody to make any purchases. I sent them receipts on my purchases.Now they saying they dont want to talk to me anymore because the case is close they put me on a program to pay for items I didnt create. I no longer have a job due to XXXX my brother paying it back for me and I really dont know how long he will continue to pay this bill. I need help I feel like Iam being bullied by this company.
Product: Credit reporting or other personal consumer reports

FCRA violations : XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$710.00} Status Open XXXX XXXXXXXX XXXX Potentially negative opened XX/XX/XXXX Balance {$20000.00} Status Closed XXXX XXXX XXXX Potentially negative opened XX/XX/XXXX Balance {$0.00} Status closed XXXX XXXX Potentially negative opened XX/XX/XXXX Balance {$0.00} Status Closed FCRA violations : inquiries not mine XXXX XXXXXXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On Record until XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On Record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On Record until XXXX XXXX FCRA violation : not my name XXXX XXXX