23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX  has froze my account with a large sum of money and refuses to help get it unfroze their is NO customer service to speak to about the matter and just sends the same dead end email over and over i am at my wits end with this and have things i need to pay that i am unable to I am literally going to be HOMELESS because XXXX  just decided i broke a rule which i did not but i cant even speak my side of the story because of them having the worst automated system ive ever seen
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have bankruptcies reported received letters from XXXXXXXX XXXX that bankruptcy info was removed from my report with XXXX XXXX  and advised to contact credit bureau for removal letter submitted
Product: Credit reporting or other personal consumer reports

Subject : Request for Validation of Incorrect Information XXXX XXXX XXXX XXXX  Account To Whom It May Concern, I hope this message finds you well. My name is XXXX XXXX, and my date of birth is XX/XX/XXXX. My correct and only address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. The last four digits of my Social Security number are XXXX, and my email address is XXXX. I do not have an employer. 

I am writing to formally dispute the information reported by XXXX XXXX XXXX  regarding my account ( Account # : XXXX ). I have reviewed my credit reports from XXXX, Experian, and XXXX, and I have found inaccuracies related to this account 's payment status. 

Account Information : Account Type : Secured Loan Account Status : Closed Payment Status : Late 60 Days ( reported for all three bureaus ) Date Opened : XX/XX/XXXX ( or XX/XX/XXXX for Experian and XXXX ) Last Reported : XX/XX/XXXX ( or XX/XX/XXXX for Experian and XXXX ) I want to clarify that I was never late on this account. The reporting of late payments is inaccurate and has adversely affected my credit score. Therefore, I am requesting validation of the reported late payment information. Please provide me with the documentation that supports the claims of late payments. 

If you are unable to validate this information, I demand that it be corrected to reflect that I have always made my payments on time and that the account is reported as closed and paid in good standing. 

This dispute is supported by the following laws and regulations : Fair Credit Reporting Act ( FCRA ) - Section 602 ( a ) states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information reported.

FCRA Section 609 ( a ) - Grants consumers the right to request information from the credit reporting agency, including the sources of information used to create the report.

FCRA Section 611 ( a ) - Allows consumers to dispute inaccurate information and requires the credit reporting agency to conduct a reasonable investigation of the dispute.

I expect to hear back from you promptly regarding this matter and appreciate your attention to this important issue. Thank you for your cooperation. 

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

On XX/XX/XXXX, I have disputed and requested investigation through XXXX  credit reporting Co about complaints of re-aging a negative and erroneous collection report from XXXX XXXX XXXX ( collection agency ). XXXX  and XXXX XXXX XXXX  has not provided my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and has not provided me with the date of first delinquency, nor the FCRA compliance date and the name of the party who reported the date of first delinquency ) The original creditor HSBC acct ending in XXXX is showing a balance of {$510.00}, which HSBC had reported first delinquency date before XX/XX/XXXX. However, ( XXXX XXXX XXXX ) continues re-aging an erroneous first delinquency date that should have been deleted from my XXXX  credit report this year on XX/XX/XXXX. XXXX XXXX XXXX ( the collection agency ) has re-aged this account again and is showing that the original creditors ( HSBC ) date of first delinquency has been revised to XX/XX/XXXX, which is erroneous and harmful. I am requesting a deletion of this account immediately and am filing a formal complaint against XXXX XXXX XXXX and XXXX  credit reporting Co for illegal re-aging practices.
Product: Credit reporting or other personal consumer reports

There is information in relation to my credit reporting inquiries that is incorrect. i provided an identity theft affidavit along with a police report to the company as I did not consent to the inquiries that are on my account. I asked the company to immediately remove the following accounts and they have failed to do so. 

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  According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 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 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXXXXXX 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

XXXX from XXXX XXXX XXXX XXXX ( XXXX ) or ( XXXX ext XXXX ) called me at work and told security it was an emergency and then told XXXX XXXX it was an emergency and they were coming to serve me at work today at XXXX. Because of this I was suspended for the rest of the day because it was not an emergency. When I called back was told that they could call me at work anytime, because I supplied my phone number. The lady was very argumentative. Did not even get to discuss what the debt was for. The XXXX XXXX department even has a voice mail where XXXX is stating they will be at my job to serve me.
Product: Money transfer, virtual currency, or money service

XXXX fraudulent checks for {$1700.00} were deposited into my account on XX/XX/21 and on XX/XX/21 I called chase and alerted them that the check in my account was scam while it was on hold. A representative told me that everything was fine and that the check had been returned and I was fine. On XX/XX/21 the bank sent me a letter saying that my account would be closed. I called and was told technically Im still liable for the {$3400.00} unless I filed a claim and I needed a police report to file. I filed a police report then called back. I talked to about 5 different representatives and they all sent me to a claims line where the phone would say the wait time is 50 mins and then the phone would hang up. I called on today ( XX/XX/21 ) and once again got hung up on. After speaking to my bank branch manager. She informed me that claims can not be done in the bank and they have to be done over the phone.
Product: Mortgage

To whom it may concern, I purchased a condominium via Guaranteed Rate dated XX/XX/XXXX. Within months, the mortgage was sold to Wells Fargo Home Mortgage. Since purchase, I pay ~ $ 1500 monthly payments to Wells Fargo Home Mortgage. 

XX/XX/XXXX, I noticed my monthly payments increased to ~ {$1900.00} charged XX/XX/XXXX. I initially assumed property taxes increased by ~ {$400.00}, knowing my district was due for reassessment. After research and talking with my condominium manager, I learned Wells Fargo 's charge was higher than the property tax increase by an exorbitant margin. 

I called Wells Fargo to inquire into the accounting charge, late one night in XX/XX/XXXX, and talked to a skilled customer service representative. She had all the tools at her disposal to check on my situation, she knew what to look for, and she explained ... 

" [ ... ] the error doubled the annual tax payment [ ... ] '' This error increased monthly payments ~+ {$400.00}, ~+26 % of agreed upon rate. I was told the problem would be fixed in 14 days ( a date before XX/XX/XXXX payment ). 

I called customer service after another overcharge was taken from my account on the date XX/XX/XXXX. A new account representative was assigned to my case. She was unskilled or missing necessary tools to solve my case. I was set to have resolution by the date XX/XX/XXXX addressed in a letter from one " XXXX XXXX ''. XXXX XXXX XXXX XXXX XXXX XXXX letter boar no contact information. An inquiry looking into the agent 's credentials showed a current position at XXXX XXXX XXXX with ties to Wells Fargo which ended in XX/XX/XXXX. 

The following are timestamped letters adding more time for charges related to my problem 's " inquiry '' : XX/XX/XXXX moved resolution expectation to XX/XX/XXXX XX/XX/XXXX moved resolution expectation to XX/XX/XXXX Charges continue against my account, seizing money supply from my checking account needed for food and utility bills. 

Nothing has been resolved. I am being overcharged. Executive Care and Recover-er XXXX XXXX does not answer my calls, check-in, or share any client information whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact Experian about information on my FRAUD ALERTED account that is out of order. I was sent through a million phone menus - got through finally to a person who said Hello, I said hello and she hung upon me.

I have an active Fraud Alert - I see information on my account which leads me to believe there has been another breach. I can through to these morons who make it impossible to deal with them. Unless you want to buy more protection. All they want to do is sell you another exptension of services. They are not interested in servicing the consumers at all. 

How do I check on this new information which I believe is another inquiry by the people who stole my information?
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from PNC Bank. The vehicle at fault ran a stop sign and drove straight onto my driver door. I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from PNC Bank I had financed the loan for 75 months and  ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.
Product: Student loan

Navient never sent me notice regarding payment. XXXX deferred loans during XXXX. This should not be on my credit.
Product: Credit reporting or other personal consumer reports

Date : XXXX XXXX, XXXX Subject : Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Last XXXX of SSN # XXXX Regarding Initial Notice Sent to Non-Mailable Address Account Name : XXXX XXXX XXXX Account Number # : XXXX I am writing to dispute an entry on my consumer report concerning an initial notice from XXXX XXXX XXXX. The notice was sent to a non-mailable address or never sent, and as a result 30 day notice was not sent before this was put on my Credit Report, I requested its IMMEDIATE REMOVAL from my consumer report. Also, Transunion has this listed status as a loan they never gave me any money and I requested validation of debt over XXXX months ago and they never sent validation of debt letter. This my second CFPB complaint XXXX and I never received results from Transunion. 
I called XXXX XXXX XXXX and they told me balance was more than was was on credit report, so I requested proof but never received it either. Notification of Negative Information : Section 623 ( a ) ( 7 ) requires that if negative information is provided to a CRA, the furnisher must notify the consumer of this information in writing within 30 days of reporting it. 
I revoked my permission to report any of my personal identifying information I previously gave to XXXX XXXX XXXX to share, sell, transfer, trade and assign to any non afflitiate, third parties, and/or CRAs. I revoked and rescind any written, non written, verbal, nonverbal personal identifying information I given to XXXX XXXX XXXX to share, trade, transfer, sell, and/or assign to any non-afflitiates, CRAs or third parties that go beyond the business fiduciary duties. 
My name XXXX XXXX XXXX is copyrighted and my personal property that you are using on consumer reports, SEC, and any documents. If used again for financial gain it will cost the non profit company {$500000.00} for each use. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Code XXXX ( a ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S. Code 1681i ( a ) ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
Product: Mortgage

My mortgage was transferred to Rightpath mortgage company in XXXX XXXX. When I make my payment, Rightpath will not allow me to make additional payments to principal. The reasoning they are giving me is that back in XXXX I had some fees applied to my mortgage as my mortgage went into foreclosure which I have not missed a payment once I brought the account out of foreclosure status. ( approx 10 years ago ) What they are telling me is that I need to pay those fees 1st before they will allow the additional payments to principal, that they go by a " hierarchy '' when applying payments. I have been applying additional payments to principal for years. No other servicer has denied this in the past and I believe I have had 4 different servicers at this point. They are changing the terms of my contract and I believe they are doing this illegally. I have called several times to get this resolved to no avail. I would like a resolution to this matter not only for myself but for anyone else dealing with what I believe is a fraudulent practice by RightPath.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$450.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$630.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I bought XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, XXXX, and the software does not perform as outlined. I am a XXXX XXXX XXXX Veteran. I did not take the 14 day free trial period. I bought the software thinking it would help me as a trader in commodities. I haven't had the software for 14 days. I bought it on XX/XX/2018 and the 14 day period, would end on XXXX XXXX, 20018. I thought there was a money back guarantee during that 14 day period. XXXX didn't explain to me that : all sales are final which I believe is a scam. 

This software does not generate XXXX XXXX XXXX for XXXX. When I bought the software on-line, I was not told : all sales are final. This is a scam to get my money which was {$1500.00}. I used PayPal. Here is the information from PayPal : XXXX2018 XXXX XXXX XXXXXXXX Loading transaction details forXXXX XXXX XXXX - negative {$1500.00} XXXX XXXX this XXXX XXXX with XXXX XXXX XXXX XXXX  Ship to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL  XXXX United States Category Software Transaction ID XXXX Return shipping refunds Request return shipping refund For more info See Terms Seller info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} Total {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX  XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with XXXX has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. 

According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. 

I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with XXXX, XXXX, and XXXX  under the FCRA but hasn't received a timely response regarding my written consent. 

Each CRA hasn't responded yet regarding my written consent. XXXX  XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.
Product: Vehicle loan or lease

I am a customer and does business with Bridgecrest as my credit report shows. I have viewed my credit report and noticed a few errors and FCRA violations with Bridgecrest reporting. I have personally attempted to fix this matter verbally with Bridgecrest and i also tried to fix this matter via the consumer reporting agencies ( XXXX, and XXXX ) in which from the consumer reporting agencies they assured me that it was validated and correct and XXXX percent accurate which in fact it is not. Bridgecrest is showing late payments on credit report for XXXX, XXXX. it shows the months and years of XXXX XXXX late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The issue with that is Bridgecrest have violated my rights per the FCRA XXXX, it states if any financial institution that extends credit ( which they in fact extended me credit per my credit report ) and regularly furnishes negative information to such agency ( agencies are XXXX  XXXX, ) regarding credit extended to a customer ( i am the customer ) the financial institution shall provide notice of such furnishing of the negative information in writing to the customer. Well i have never received any such written notice from Bridgecrest. Late payments are in fact negative information. The allotted timeframe for such notice has come and gone. My life as well as my XXXX XXXX XXXX are being affected by this reporting. I do understand that in regards to violations of the FCRA that XXXX XXXX of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. Which there have been damages done to me, i have been denied extended credit, increase in interest rates, judged upon based on this credit reporting i mean this has completely stressed me out. What i am requesting is that Bridgecrest update remove and update all late payments on my account with them on their file as well as with the consumer reporting agencies ( XXXX, XXXX, ) to remove the late payments and update them to paid on time and paid as agreed and that they follow the laws in which they are to abide for the better being of their customers
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I RECENTLY LEARNED THAT MY PERSONAL INFORMATION WAS USED TO OPEN A CAR LOAN ( KIA MOTOR FINANCE ) UNDER MY NAME. I DID NOT OPEN AND AUTHORIZE THIS CAR LOAN, AND THEREFORE REQUEST THAT CREDITOR TAKES ALL APPROPRIATE STEPS TO REMOVE INFORMATION ABOUT THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILES.
Product: Mortgage

I am adding additional information that was forgot on Complaint number XXXX I am enclosing the mortgage statement prior to my closing which shows Principal of XXXX which XXXX was added on with out NO approval and NO agreement in writing by the XXXX XXXX XXXX nor XXXX XXXX nor any approval from my wife XXXX XXXX XXXX, they can not just add principal on with some type of written approval for someone!!!! I only borrowed XXXX from XXXX XXXX /XXXX XXXX who sold it to XXXX then XXXX XXXX then back to XXXX then to XXXX , its like a game and they never have any answers and always XXXX up our credit, force place insurance on a 20 year old mortgage that is escrowed, and now with this {$11000.00} we are worn out with this types of mortgage companies they all provide the worst service more important they cant provide any approval so we want the {$11000.00} that the stole or added to our payoff as they refused to answer any letters and we were at closing so we had no choice but to close as we been trying to sell this home in Florida for over 2 years so they force this on the title company otherwise the closing would have fell apart. This is a second part to be added to complaint # XXXX. We would never want this to happen to someone else