23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

As of today, my homeowners insurance company has not received the premium from my mortgage company, Primary Residential Mortgage. This is completely unacceptable since I have ample funds in my escrow account which the mortgage company has not disbursed and my house was in jeopardy of being uninsured. I had to send the insurance company a one month payment to temporarily bind my policy. Again, unacceptable. The mortgage company was made aware of this issue before the end of XXXX when I initially called and spoke to them on XX/XX/2021. They said they would send the payment. They did not. Again, unacceptable. Furthermore, it is well documented I called again on XX/XX/2021 and was told the mortgage company would not pay the premium until I sent the declarations pages and invoice. I emailed it to them immediately even though the insurance company already sent the invoice the end of XXXX to pay my premium by the end of XXXX but the mortgage company failed to do so. Again, unacceptable. I sincerely regret using this mortgage company for my refinance and will be considering terminating my escrow account for their incompetence. Again, unacceptable.
Product: Debt collection

I was called by a lady whom insisted that received services for XXXX and XXXX, for which I explained that i have NOT received any such services and she became adamant and rude to me threatening to send this account to collections. I asked for company information that is saying I rec 'd these services and she just rudely insisted that I should know all of that since i was the XXXX to rec. the services. She would not give me any information, she would not transfer me to a manager when I asked for one and she rudely hung up one me.! LRS XXXX is a hoax collection agency with 'out of the streets ' rude people working there trying to scare people into giving them money!! Then another lady spoke to me and again refused to give me info about these services supposedly I rec 'd, refused to pass call to a supervisor and also threatened me with collection and hung up on me.
Product: Debt collection

I was robbed for my drivers license and wallet. I file a police report ( XXXX ) Also, I filed a FTC complaint. Im accordance with the Fair Credit reporting Act XXXX account # XXXX Midland Management Group has violated my rights. 15 USC1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A Section 2. Also states that a consumer agency can not furnish an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX -Never Late for this account. After I moved the bank never update their file. Im not sure if they ever did. Please ensure all info is true, accurate and correct including all spelling, address, name etc. Remove ALL negativity or delete form my report. 

AMEX XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Vehicle loan or lease

In XX/XX/XXXX, after persistently being asked by XXXX XXXX Ford of XXXX to have my lease ( mid thru term ) appraised so they could buy it for their used car lot, I decided to do so. I made an appointment with the dealership and brought my car in and sat down with a sales rep to do paperwork. It was a snowy day and he didnt even want to go outside to look at the odometer to get the miles. I went outside and reported the miles to him and then he wrote up an odometer statement we both signed. He said thats it for now. Someone else would be in touch with me from the dealership. I asked a few times if that was all the paperwork I was getting at this time regarding the appraisal and he said yes, someone else would do it and get back to me. I left XXXX Ford XXXX Lease and my son drove me home. 
The next letter I received was a blanket appraisal from an outside company on the car. The next letter was from Ford regarding my voluntary surrender with repo fees, auction fees, etc ... ..and I immediately began to call because I knew they screwed it up. Ford offered zero help except to send me a contract done by XXXX XXXX Ford of me surrending the car-and I never signed it. It specifically states lessee needs to sign. I called the dealership many times and spoke with the GM XXXX XXXX who said someone at Ford told him my car was out for repo for months and that was not true. I went back to Ford and confirmed that was not the case and gave Ford permission to talk to XXXX to tell him that and then called XXXX and let him know I gave permission to have him get the true details on the lease from Ford. XXXX has not called back and Ford is demanding $ XXXX in balance from me. This is not my fault. The dealership screwed up and needs to fix this and my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account XXXX XXXX XXXX  with a XXXX  XXXX showing up on my credit report under Experian- I do not bank with this bank, and did not order or request a bank card with this bank, nor have I ever authorized or given permission to anyone else to do so under my name or any of my personal information. 

The account was considered dormant, and then was flagged for 30 days, then 60 days past due and has significantly damaged my XXXX XXXX. This is an incorrect account on my credit report.
Product: Checking or savings account

I dont check my account balance and transactions only if I have to and I checked Monday XX/XX/XXXX and I noticed my account balance was lower then I thought it would be so I checked my transactions and saw 5 XXXX payments all to the same guy never heard of this person or the name so I filed a dispute for {$430.00} and then today XX/XX/XXXX I got back saying they couldnt refund my account and nothing seemed to be wrong but I didnt authorize these payments so hopefully this can get resolved. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Mortgage

I called Wells Fargo in XX/XX/XXXX and was set up on a payment for the back mortgage payment. When I called in XX/XX/XXXX to make payment I was told the payment plan was deleted on X/X/2017. The customer rep told me her supervisor will review the call to see why the payment plan was deleted. On XXXX XXXX, 2017 I received a notice of intention to foreclose mortgage letter date for XX/XX/XXXX. I called WFM again and rep told me a supervisor will be getting back to me about the deleted payment plan. No one has called back about this issues.
Product: Credit reporting or other personal consumer reports

I would like to assert that my right to privacy is of the utmost importance. This dispute letter serves as an exercise of that right. According to 15 U.S. Code 1681 ( a ) ( 4 ), you are fully obligated to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am exercising this right under that law. Therefore, I request that all information provided in this letter be handled with the highest degree of fairness, impartiality, and respect for my privacy.

Furthermore, under 15 U.S. Code 1681b ( permissible purpose ), I have not granted this company any permissible purpose to access my information. This is a direct violation of the code, and I am requesting the removal of the following accounts from my credit report as they are negatively affecting my reputation, character, creditworthiness, credit standing, and credit capacity. Given your obligation to safeguard my privacy, I expect this matter to be addressed with urgency. 



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

In accordance with the fair credit reporting act XXXX several accounts have violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
Product: Credit reporting or other personal consumer reports

Sent this letter to Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Credit Account Number : Debt Collectors Account Number : XXXX Alleged Debt Amount or Balance : {$2600.00} Dear XXXX XXXX XXXX, I was made aware of your attempt to collect an alleged debt less than 30 days ago. Please be advised that I hereby dispute the validity of the above-listed debt in its entirety. 
I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. 
You are on notice that you are unlawfully attempting to collect the above-listed debt. Cease & desist of all collection activity including reporting to consumer reporting agencies ( CRAs ). 
Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. 
If you comply with my cease collection & deletion request, then you are excused from verification. 
If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. 
This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney.

In accordance with the fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights according to 15 USC 1681s - 2b of the Fair Credit Reporting Act. There are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to. I am demanding deletion from my consumer report or else I'm going to pursue litigation.
Product: Credit card or prepaid card

I complain about interests fees 2 months ago every since then every month now and I'm being charged for XXXX a month for monthly fees, and also I'm being charged XXXX for yearly fees, and this is only a XXXX credit card.
Product: Credit reporting or other personal consumer reports

I just moved back to XXXX  in XXXX XXXX for work on XX/XX/XXXX. I previously used to live in XXXX from XX/XX/XXXX to XXXX of XXXX for work. When I lived in XXXX I was with TD Bank as it had crossborder banking between XXXX, XXXX, XXXX and the US. For the year and a half I was there I paid every bill on time, never had a missed payment as I made very good money and never had to worry about finances. When I was promoted for work to move back to XXXX I had paid off my last Visa bill and called TD to ask if there was anything pending on their end that I needed to know about before cancelling my Visa, closing my US account and removing all my funds out of the account and transferring back to XXXX. I was told there was nothing showing on their end and I was all clear. When I came back to XXXX  this past XXXX when I went to set up again my TD US account I was easily able to reopen a new account and get a debit card, when they went to apply for my Visa they said I had an owing balance of {$140.00} that was pending on my credit card from XXXX that went to collections and I had to pay off the owing bill before I could get a credit card. I approved the payment and paid it on XX/XX/XXXX as I had $ XXXXUSD in my TD account transferred over from XXXX . They told me it was paid. 5 weeks later I got a call from the Manager at TD Bank saying they made a mistake and didn't debit the payment and because of this it caused a credit report to come through showing this dropping my score so low that it caused me to have to pull out of a home I was going to purchase in XXXX XXXX. It has now been still reporting on my credit score since XX/XX/XXXX. After another month of credit reporting I noticed it was still there and sent in on XX/XX/XXXX a dsipute to TD to have it removed as it was paid off and it ws causing my credit score to continue reporting poorly because of this. Today my score without the report is at XXXX and with the TD reporting it is showing I have a XXXX score. Because of these issues with TD I lost a house, a mortgage, had to scramble to find a short term rental to ensure my XXXX XXXX XXXX wife and dogs weren't left homeless as this all transpired as they were coming down to move in to this planned newly purchased house. I am requesting your support it getting this silly charge removed as it is impacting my ability to buy a home that I have the money to purchase, I have built in 5 months a credit score of XXXX to XXXX as I spend a lot of money for all my restaurants, I have lost a home and a mortgage due to this as well as out of pocket for the house assessment and inspection. In XXXX I own two properties, have a credit score of XXXX and just want to continue building our families new life in XXXX  and TD is hindering me from that for mistakes they made back in XXXX and currently this year in XXXX. I would really appreciate your support with this! Thank you!
Product: Credit card or prepaid card

I received a credit denial letter from FNOB ( First Nat'l Bank of Omaha ) via USPS Reason for denial : My credit history could not be verified due to a credit report freeze. 

I did not request any credit from any institution, my credit is frozen.

I called FNOB, they have no record of my name, no credit application, etc. They did not want a copy of the letter, they were not interested in providing any further assistance to me. They couldn't verify the address listed in the letter to respond to. 

FNOB said the Ref # in the letter was not one of theirs. 

After I hung up I did go online and report it to their fraud dept.
Product: Checking or savings account

Navy Federal continuously charged us overdraft fees knowing we did not have the money in the account since we open the account back in 2008 up until we stopped using Navy Federal. When the child stimulus happened, navy federal was giving unauthorized loans to bring you back to positive before the stimulus was deposited to your account. These loans were not authorized and had to be paid all at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  ) XXXX Balance XXXX {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$800.00}
Product: Credit card

I applied for the credit card while making a purchase in order to get into the rewards program. I earned my first reward for {$10.00} off my next order. I attempted to use the reward and it came up as an invalid number. I spoke to numerous people and no one could get it to come up as valid. I had to cancel my order and cancel the account. I earned a {$10.00} reward that I was NEVER able to use. I believe the rewards program is a scam to get people to apply for the credit card.
Product: Debt collection

In XXXX of XXXX I was informed by XXXX XXXX that I had to contact Brock and Scott PLLC regarding credit card debt. In XXXX I requested proof of debt. In XXXX of XXXX Brock and Scott PLLC sent me a pack of blank papers which was not proof of debt. On XX/XX/XXXX I received proof of debt. On XXXX XXXX. I was served papers being informed that I was being sued. I contacted Brock and Scott and inquired about the civil suit stating that I didnt receive proof of debt until XX/XX/XXXX, and by law I had 30 days to dispute debt. A representative at Brock and Scott informed me that they submitted the suit on XX/XX/XXXX XXXX days prior to sending me adequate proof of debt. The representative stated that they sent me proof of debt on XX/XX/XXXX, and I informed them I was not sent proof of debt thats why they sent it again on XX/XX/XXXX. The representative stated she did see where proof debt was sent on XX/XX/XXXX and XX/XX/XXXX but she was unsure why. I have not heard back from Brock and Scott PLLC since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECK MY CREDIT REPORT I NOTICE THERE WHERE SEVERAL ACCOUNTS ON MY CREDIT PROFILE THAT DID NOT BELONG TO ME SOMEONE HAS BEEN USING MY IDENTITY AND OPEN UP SEVERAL FRAUDLENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

On XX/XX/XXXX I filed complaint number XXXX with the CFPB. In response to the referenced complaint, you claimed to take consumer protection obligations very seriously ; However, based on the evidence you provided in your response, regarding reference number XXXX, is it clear that your company is engaged in the ILLEGAL practice of re-aging of an account. 
Section 623 ( 5 ) ( A ) of the FCRA clearly states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
Upon reviewing the information you provided in response to complaint number XXXX, it is clear that the account 's date of first delinquency ( DOFD ) was in XXXX of XXXX or a date earlier than XX/XX/XXXX reported on my credit file. While you claim that it is your right to report to the major credit reporting agencies, the act of knowingly reporting misleading information or engaging in account re-aging is ILLEGAL. 
By changing or failing to provide the date of first delinquency, the FCRA compliance date, it is clear your intend is to reset the clock so as to have more time to collect on this alleged debt. I would like to remind you that it is ILLEGAL to change the purge from date on a negative listing causing it to remain longer on a consumer 's credit report longer than allowed by federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. On XX/XX/22, I let the credit bureaus and the secondary reporting agencies know this. I also provided them with an identity theft report showing items that are inaccurate, fraudulent, unverifiable on my credit file. These items are supposed to be deleted within 4 days according to the Fair Credit Reporting Act. Also, none of these accounts should have been put on my credit file in the first place. I did not give written consent for these accounts to be furnished on my file!! I have in writing, letters from XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, stating that they do not report anything to any of the credit bureaus. I was informed that this information was furnished using LCI, XXXX, XXXX and other secondary consumer reporting agencies. I have a right to privacy! You can not sell and provide false information about me. The defamation of my character and invasion of privacy has caused a lot of stress in my life. I am demanding that these fraudulent items be removed NOW!!
Product: Credit card

I tried using XXXX internet but because of my location it did not work well. I canceled within the 30 day time frame. They are still charging me {$430.00} for non-returned equipment that was returned within the required time. I did not authorize this charge. At the initial phone order they " required '' a credit card for {$60.00} hold fee that she said would not be charged. I disputed the {$430.00} and now while that is disputed they charged me again for {$150.00}. I asked Citi bank to not accept any charges from them and explained it is NOT authorized.
Product: Mortgage

Re Wells Fargo Bank In XX/XX/XXXX I obtained a mortgage loan thru the above bank on my current home to purchase a vacation rental condo in So. CA. I was also strongly encouraged to get a checking account and savings account with the bank, which I really didn't want but I did it anyway. As it turned out, the investment became a disaster and sold the property in XX/XX/XXXX. At that time the mortgage was paid off. 

Approx around XX/XX/XXXX of this year I received a XXXX for XXXX. On the form, box # 3 " Other Income '' shows a figure of {$880.00}. I never received this amount. I have no idea what this is. I called when I received this form and I was given some stupid statement that didn't make sense. I said I want something in writing and I was supposed to receive something in writing but haven't so far. I am not going to put this amount in my tax return.
Product: Credit card

I contacted Citibank about a balance transfer issue and complained about the length of time it was taking to post my transfer. They said because it was a new card it could take 14 days. However, I reasoned, that because they had just " borrowed '' from my credit limit from another Citi account, it essentially was not a new card, they basically split XXXX account into XXXX. Meanwhile, this is costing me interest with the account that I am trying to transfer.