23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had residential mortgage loan with  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX .  XXXX . The  Loan h as been paid off as of  XXXX     2016. All  payments on the loan were made by automatic electronic payment system through my bank. No payments were ever late. However, in  XXXX     2016, f or unknown reason,  XXXX  returned  one paym ent, even though it was the same as every prior payment on the loan.  XXXX  then started charging late fees, and applying subsequent payments to that payment.     Upon learning such and speaking to  XXXX  representative, I made double payment. I also spoke to supervisor and upon sending in the bank record showing EVERY payment from my bank, the representative approved removing late charges.  XXXX , however, continues to list late payments on my credit report. It is adversely impacting my credit, and I am in process of applying for new loan.     I spoke with  XXXX  customer servic e 2 week s ago and was told they would respond in 10 days. No response has been forthcoming. I sent urgent email last week.     After years of similar payments by my bank,  XXXX  acted capriciously in rejecting my timely payment.  XXXX  once did acknowledge the error and removed the late charges.  XXXX , however, is not correcting the credit reporting on their error, and it is adversely impacting the credit of my report s (   XXXX   XXXX   XXXX   ) a nd my wife ' s reports (   XXXX   XXXX   XXXX   ).       XXXX  needs to remove adverse reporting on my credit on on my wife 's credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

please refer to complaint # XXXX. XXXX admitted fraudulent use of my identity regarding the XXXXXXXX XXXX  application ; I was told in writing that the fraudulent inquiries would be removed from the 3 CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by XXXX dated XXXX/XXXX/2017. What 's going on? Why is XXXX keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!
Product: Debt collection

I am a victim of identity theft and have recently seen fraudulent unauthorized accounts on my consumer report. Attached below is my request for full material disclosure and debt validation not verification.Along with my FTC Report.
Product: Credit card or prepaid card

Customer Service is extremely rude XXXX, and hung up the phone on me on XX/XX/XXXX. I asked for a balance transfer, then I asked to speak with a manager, they refused to let me speak to a manager, and then Hung up the phone. I then called in again to call up to complain, the XXXX XXXX working on the phone, placed me on hold for 15 min and Did Not File my complaint. Rudest customer service, and I wil
Product: Credit reporting, credit repair services, or other personal consumer reports

Rushmore is falsely reporting information to the credit bureau regarding a Loan Modification as of XX/XX/2021 and we never requested a Loan Modification. They are negatively impacting our Credit Scores due to this false accusation and misrepresentation on all 3 Credit Bureaus! We did not request a Loan Modification under COVID-19 and have been paying our Mortgage bill every month before 30 days. We have never requested a Loan Modification for XXXX XXXX  during COVID-19 and this is a form of Discriminatory practices against XXXX XXXX American Homeowners who are attempting to Refinance their homes. They always attempt to block XXXX XXXX Americans and negatively impact their credit and we are submitting this complaint to have them remove the FALSE Flag they have placed on my husbands credit file as of XX/XX/2021 and my credit file as well! This is pure Greed and Discrimination exhibited by Rushmore Loan Management Services. You have no right negatively impacting our Credit scores and we did not request a loan modification under COVID-19 nor did we sign any agreement or paperwork requesting this falsified request!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a auto loan maybe a year ago and I see inquiries from multiple companies on my credit report that I did not approve I also see multiple credit card inquiries that I knew nothing of and inquiries that I'm not even sure what they are for that are reporting on my credit. 
XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have debts that were charged off many years ago. The statute of limitations for collection has long expired. Now, P & L Acquisitions has been harassing me for a year. Several phone calls per week telling me I must respond or I will end up in court. I have spoken directly with a human and told them I know the law and they must tell me the exact creditor, the exact amount they are trying to collect, and I receive absolutely NO factual information. I receive a letter at least once every two weeks. I finally sent a Cease and Desist demand letter to their " FAKE '' business address. After 15 days of never being an open business location, the post office was forced to return my letter as undeliverable. I demand that this scamming, illegal, fake, collection practice be STOPPED!!! Yesterdays phone call, from a female, was the worst. The woman declared she was a processor for the County ( what county? ) and that they will send my name to the Sheriff in 48 hours, for a service summons. THAT 'S IT! I 'm done tolerating this illegal abuse! P & L Acquisitions is all over the internet as a scam and moves from state to state. The supposed signature on their threat letters is also the signature of someone who has been deceased for several years now. SHUT THEM DOWN!
Product: Credit reporting or other personal consumer reports

I recently went to apply for an auto loan and checked my credit report and found that I have been a victim of Identity Theft. I was incarcerated for a long time a while ago and I believe at that time someone got hold to my personal information and has since being using my name to make inquiries and open accounts in my name. I checked my report yesterday and there are currently 12 fraudulent accounts showing on my credit report and over 80 inquiries that were made across the 3 credit bureaus. I will proceed to list the name of the Creditor ; the Account number XXXX XXXX XXXX  How much the account is for ; the date the account was opened. I will then list the Inquiries the name of the company and the dates they were made. There is an account with 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my credit report numerous times. There is a bankruptcy reported on my XXXX report. This is inaccurate. XXXX has deleted the inaccurate report. I will provide proof that the credit bureau XXXX and XXXX XXXX   are reporting inaccurate information
Product: Credit reporting or other personal consumer reports

Complaint : Dispute of Inaccurate Reporting and Request for Validation Failure to Issue 1099-C Subject : Dispute of Inaccurate Reporting and Request for Validation Failure to Issue 1099-C Dear Consumer Financial Protection Bureau ( CFPB ) , I am writing to formally dispute the reporting of a collection account associated with Experian, Equifax, and TransUnion on my credit report. I believe the reporting of this debt is inaccurate and does not comply with applicable federal regulations. These items were purchased by a third-party debt collector, but the information on my credit report does not reflect the correct status, amount, or details of this account. 

Inaccurate Reporting : The reported debt shows an incorrect balance, and it reflects amounts that do not align with the agreement made with the third-party debt collector. This debt was settled for less than the amount owed, but the credit reports from Experian, Equifax, and TransUnion do not reflect this. As a result, the information reported is not accurate and violates the Fair Credit Reporting Act ( FCRA ), which requires complete and accurate reporting. 

Failure to Issue 1099-C : The collection agency failed to issue a 1099-C for the debt that was settled for less than the owed amount. I am unaware of the exact amount the collection company paid for this item, and my credit report does not reflect such amounts. The failure to issue the 1099-C or report accurate information about the settled amount is a clear violation of the FCRA. 

I have attached a copy of my credit reports with the discrepancies highlighted for your reference.
Product: Debt collection

the Compass Recovery Group keep calling me in reference a debt i owe. i explained that at this time i am suffering an hardship and do intend to pay but right i can not. they threatened to take my home, garnish my pay check and called place of employment. i continuous is receiving phone calls from different individuals. they wanted to go in my checking account and take out money. i was sent an unofficial looking document after a phone call of trying to collect money from me. I am being harassed by the company and wants it to cease. 

i suffer from medical issues and trying to keep my employment.
Product: Mortgage

Wells Fargo Escrow calculations are deceptive and greedy. Although my taxes went down and my insurance stayed the same, Wells Fargo repeatedly claimed that I had an escrow shortage. Further, even after I paid the deficit, my monthly escrow amount was increased significantly. When I called to inquire, I was told that my Escrow increased because taxes increased, which was a complete and blatant lie as proven by tax records. When I inquired further about the calculations that were used, the agent was rude, condescending, and insulted my intelligence. I suspect that Wells Fargo is once again fleecing customers to get more cash on hand to help with punitive settlements resulting from their other numerous shady practices. My loan was just suddenly sold and the new lender showed that I my account has a substantial Escrow overage. Consumers are suffering once again at the hands of Wells Fargo bad faith actors.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) 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. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX XXXX | ACCOUNT # : XXXX | {$730.00} XXXX, XXXX | ACCOUNT # : XXXX | {$1000.00} XXXX XXXX  | ACCOUNT # : XXXX | {$0.00} XXXX  | ACCOUNT XXXX : XXXX | {$0.00} XXXX | ACCOUNT # XXXX XXXX  | {$0.00} XXXX XXXX XXXX XXXX | ACCOUNT XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX | ACCOUNT # : XXXX | {$620.00} XXXX XXXX XXXX | ACCOUNT # : XXXX | {$590.00}
Product: Mortgage

Copy XXXX XXXX XXXX XXXX XXXX XXXX Account Information Sebring, Florida " Loan Number '' # XXXX XXXX XXXX / XXXX Date XXXXXXXX  Wells Fargo Bank , N.A . / Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Demand for Release of Equity Dear ( To whom it may concern at Wells Fargo Home Mortgage ) I am writing to formally request the release of equity associated with my account [ insert account number or property address ] with Wells Fargo Bank/Wells Fargo Home Mortgage As you are aware, I have fulfilled all obligations pertaining to my loan contract prior to my knowledge of its fraudulence and have maintained my account in good standing. Under the terms of my loan agreement and in accordance with applicable state and federal laws I am entitled to access the equity that has accrued in my property. 

Under the guidelines set forth in the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) and the Home Equity Loan Consumer Protection Act, I understand, inner stand and comprehend that I have the right to access the equity in my home. 

**Relevant Laws : ** 1. **Real Estate Settlement Procedures Act ( RESPA ) ** - This federal law ensures that consumers are informed about their rights regarding mortgage loans and equitable interest. 
2. **State Equity Release Laws** - [ Insert specific state laws that pertain to equity release, if applicable, such as laws governing home equity loans or lines of credit. ] 3. **Contract Law** - According to the terms outlined in my mortgage agreement, I have the right to request the release of equity once certain conditions are met. 

Given that I have met these conditions, I request that you provide me with the necessary documentation and instructions to facilitate the release of my equity. Please respond to this request within 10 days from the date of this letter. You have failed to respond in a lawful requirement timing to my prior CFPB reports as well as my FTC reports and complaints. 

Failure to respond to this lawful demand may compel me to seek legal remedies to enforce my rights and sue for all compensating damages imposed by the Wells Fargo Home Mortgage agency and agents. 

Thank you for your prompt attention to this matter. I look forward to your response. 

XXXXAll rights reserved w/o prejudice, w/o recourseXXXX Sincerely, XXXX : XXXX the living flesh and blood woman on behalf of XXXX XXXX -- - P.S. 
I have specifically made sure to customize this lawful demand for equity to be released notice to reflect affiants specific situation and the exact laws applicable in your jurisdiction. 
I am aware of the bodies of law that govern this process as well as the administrators in both mine and the state of Iowa, where Wells Fargo Home Mortgage is located. 
All past, present and future documents have been recorded and I possess copies of all correspondence and any supporting documentation related to our communications and request made lawfully by all parties involved Please direct any questions or concerns to my attorney at XXXX I request to be contacted back by the Branch Manager/CFO of your agency Thank You for your time, I look forward to your response
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 inaccurate.
Product: Debt collection

the company took my income tax for the total of {$2900.00} and then stated that it was for student loans but it was taken by a company that I neither have heard from by phone or email or mail itself and when I try to call them there is no response I get a voicemail and when someone finally calls they call at a time I can not answer and they leave a number and extension which all it does hang up on me
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing any late payments on my credit report please correct the late payments on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as it is a violation of 15 usc code 1666b timing of payments, an account can not be treated as late for any reason inquiries to be removed : 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
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late/Closed
Product: Prepaid card

I received an American Express gift card for {$500.00} back in XXXX 2016. I opened the package on XXXX XXXX, 2016 and checked the balance online at XXXX, to find XXXX charges were made on XXXX and XXXX. I contacted AmEx to dispute the charges, and though they asked me for a particular lot number on the package, they still maintained they ca n't dispute the charges as they have a blanket policy of treating all gift cards as cash. They advised me to report the card stolen and have it replaced by them via mail within 10 business days for the remaining balance. They also suggested I contact the merchants to dispute the XXXX charge that was still pending. The pending charge was reported to AmEx as a physically swiped transaction, which could n't be possible unless XXXX cards exist with the same credit card number. 

I am quite certain that, as a consumer end product, the lot number on the packaging, which does n't correspond to the account number, is a unique identifier and, therefore, bound to all transactions that are physical/swiped. They asked for that information, but it did not help with the fraudulent transactions. It was only used to confirm the physical package, though I 'm familiar enough with point of sale systems to be rather sure that information is somewhere within the mag stripe data of each transaction for their own quality control and protection as issuer. 

While I am being reissued the card for the remaining balance, I am not confident the replacement card wo n't be subject to the same lack of fraud protection. You can imagine how ridiculous it is to open a gift card package for a AmEx gift card for a very high amount, just to learn it 's already been used by someone else. That there was no card activation process was concerning, and I think that leaves the consumer open to fraud that ca n't be disputed, thus protecting AmEx 's interests at the expense of the consumer 's vulnerability.