23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was under a loan modification. I was assigned a Home Preservation Specialist. I paid all modified payments as agreed. Document dated XXXX/XXXX/16 presented the outline of the permanent modification terms, including line XXXX. " Escrow shortage payment ( if applicable ) {$23.00} ''. My loan preservation specialist explained that the modified loan would do just that, pay the escrow in arrearage. The fact that an amount was populated, acknowledged by Wells Fargo that there was an arrearage and they declared that arrearage amount to be XXXX. I was given new payment amount and under these pretenses I signed and obligated. In fact the loan packet was sent twice and signed XX/XX/XXXX to be retro effective to XXXX XXXX. It is recorded and in effect. XX/XX/XXXX is my first month of payment since the signing and the Home Preservation Specialist no longer takes my call per not on his caseload any longer. Today I received an Escrow Account Disclosure Statement and Notice of New Mortgage Payment. I am being billed for the escrow arrearage that they did not capture, nor inform me of, nor bill me for, nor roll into the new loan for {$1300.00} and increasing my loan amount due to their error. My option is to find the funds and pay up front or increase my monthly mortgage payment immediately after signing a modified loan agreement. This is a misleading and fraudulent representation and I can not get anyone to own up to it. A supervisor in customer service was able to help me identify the error that Wells Fargo made, but he is not in the capacity to change it. I feel that if Wells Fargo stated in my preceding introductory documents that my arrearage was {$23.00}, and they reviewed through underwriting on multiple occasions, and I was lead to believe my loan payment would be {$950.00}, I do not believe it is my obligation to immediately increase my payments. This is fraud and misrepresentation. XX/XX/XXXX was when they processed my paperwork, and XX/XX/XXXX is the first month without representation from home preservation specialist. and is the same month that they hit me with a new increased amount. Note the attached XXXX XXXX, 2016 letter congratulating me on the processing of the modification. Immediately they change the terms. This is fraud!
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 XXXXXXXX XXXX, 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: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

And according to 15 USC 1681s-2 they are supposed to 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

A charge off '' means an account was paid off by another party meaning it's collected income and income is not reported on credit. Wells Fargo has a balance of {$1900.00} on my credit report for charge off and is in violation of my rights per the FCRA. I am requesting to have this item removed my credit report or I will proceed with filing a complaint with the FTC, attorney general and lastly a civil lawsuit in the appropriate county/courthouse. This charge off is not only a violation but it has caused me emotional distress and harm to my livelihood.
Product: Debt collection

Was contacted by mail which is violation of the FDCPA ( contact with a consumer ), and alleged Debt is not mine.
Product: Checking or savings account

XX/XX/2014 the amount of XXXX is reported to XXXX and has a social security number that doesnt belong to me and an address Ive never lived at.
Product: Credit card

Hello My name is XXXX XXXX ; I am writing this letter as a complaint on CapitolOne Bank. I have been with this bank for about a year, not as a personal account holder but as credit card holder. I have XXXX cards from them the first I received about a year ago at {$500.00} limit ; I have no problem with that one because I always pay as schelude. The problem is with the second card I received a few months ago at a higher limit. I make it a habit to pay my bills on time and always add a few dollars more than the limit to keep my credit score at a decent rate. This Bank has deliberatly been sending bad reports on me as if am not paying them. The card in question ends in XXXX. Going back about four months ago, I miss the due date by a day and called the customer service, they agreed to drop the {$30.00} late charge but said I still have to pay XXXX dollars instead of XXXX so the system would correct itself. I paid it and taught all was well. XXXX months pass and I assume Iwas paying on time because of what was showing on my computer screen ; I normally pay on the day my payment is due because I dont have a steady job and ca n't predict what my funds will be around my due date. I never considered the time of day I pay an issue, so when I see my payment being posted for the next day I considered that a bank issue. Customer Service never explained that my payments were being counted as late and nothing on my screen was telling me either, all I was seeing was the minimum amount and due date. I missed the due date this month by a few hours and called customer service to make the payment, the person told me {$60.00} I asked if the late fee could be excused and he said yes just pay to XXXX owed which I did. The next day I check my account and there was {$90.00} charge added to my next payment I called customer service again and was told I owe this money because of pass late charges, i asked why was it not being showed on my screen up until now, they have no explination except that am behind on my payments and the its being documented on my credit report. I have decided to stop paying them anything on this card until someone outside of them looks at this situation. Am asking to please investigate this matter quickly so I can assume my payments.
Product: Credit card

I received a letter from Capital one stating they were the fraud department and requesting me to call XXXX however this is not the number to the capital one credit card fraud department. When I called the number they asked for my social security number which I didnt give out.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence, where Experian furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing, I am requesting immediate correction action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I received a voice mail from a case investigator XXXX out of XXXX county stating he received an affidavid or documents that he believed to support an order for me to appear in XXXX County Superior Court for investigation of check fraund and that I needed to contact him to sign some paperwork. The investigator did leave a number which I called and inquired to find out why I was being called for an alleged check fraud and could they give me some answers. I spoke with a woman by the name of XXXX or XXXX at ex. XXXX. She did n't have all of my information right but did have my email and some personal information ( mother 's first name, brother 's phone, etc ) I then gave her the last XXXX digits of my social security # to see if I could get more answers but little did I know I was then giving an ultimatium of paying {$1000.00} to a lawyer of some kind or go to court and pay over {$3000.00}. I asked if she could send me a copy of any document showing my name or signature on a payday advance loan. I received an email which I had forwarded to a friend who did some research and found out that the number attached to the email had been flagged for potential scam artist. So, I then called the XXXX Police Dept. to find out if I had any warrants out for my arrest which came back negative. When I told the XXXX why I was calling to find out about the warrent he told me to contact the local FBI and report a possible scam being done. Unfortunately, I do not have the name of the lawyer that I was apparently going to pay off, but I do have a copy of the letter that the rep sent me via email which I will attach.
Product: Debt collection

Got a call from XXXX XXXX XXXX XXXX regarding an account I had with XXXX XXXX in XXXX, MA. This call was received on the XXXX of XXXX, XXXX. The caller would not let me talk, stated his name was XXXX and he was the manager of the operations division. Stated they sent a letter out in the mail regarding my debt as well as tried to reach out several times regarding it over phone, which my records can show has not occurred. I cancelled this membership in person, as well as sent a letter in to XXXX  XXXX  cancelling. I should not be contacted regarding this as I have already cancelled it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union refuses to investigate and remove the following tow debts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX for {$550.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX for {$5400.00} Both accounts have been settled/closed. 

In addition, XXXX XXXX is still contacting me about wanting payment.
Product: Money transfer, virtual currency, or money service

I sent a XXXX transfer and it was not sent to the correct place.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX which has recently " verified '',  XXXX  &   XXXX   are all reporting a collection account,  XXXX   XXXX   XXXX   XXXX , AKA   XXXX   XXXX   XXXX   XXXX    ACCT. #    XXXX  IN THE ESCALATED AMOUNT OF  XXXX  DOLLARS FROM THE ORIGINAL AMOUNT OF  XXXX  DOLLARS ...  .THE ORIGINAL  CREDITOR IS   XXXX   XXXX   XXXX   XXXX   AKA   XXXX   XXXX  . THE ORIGINAL  CREDITOR HAS PERPETRATED " FRAUD '' in my case ...  ..I ord ered water service at a  XXXX  sales signup inside a  XXXX  store.What I signed up for was a  XXXX  dollars per month service.What I received was substantially higher on th e 1st bill, which were surcharges undisclosed to me in the sales   presentation .. . ..I sp oke to   XXXX   on the phone ... we could not come to agreement ... they would not relent on the undisclosed fees/surcharges so ... .. I told them to come pick up their equipment.They made  3  different appointments to come pick-up their equipment and were no-shows all  3  times.The machine/dispenser sits in my house to this day ... they obviously do n't want it.   What   XXXX  /  XXXX   XXXX   XXXX   wants to do is perpetrate fraud an d 1 ) overcharge on their service,2 ) '' sell me '' their equipment I do n't want, and 3 ) rin g up a huge unrealistic tab, give it to an relentless collector who could n't give a DV notice or Debt Validation .... because it would invoice or document their crime as evidence in court .... I have found out from the BETTER BUSINESS BUREAU that this scheme is being perpetrated all over the country.   So if the credit bureaus do n't delete.. the CFPB will receive a complaint against the collector/furnisher AND THE  O.C . the organizer of the fraudulent financial scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not send me a validation letter to XXXX XXXX and XXXX  need the original contract with my signature to prove its my debit need it remove off my credit report XXXX XXXX and XXXX
Product: Debt collection

I am getting calls from this number. When I answer they hang up. I called the number back and they answered as a law firm Mitchell and DBluhm. They have called several times. I called back to tell them to stop contacting me as I am not the person they asked for when I called them back to see who/what was calling and not answering/hanging up. No information was given other than insisting that I verify who I am, which means they do not know my information and I would like to know how they received my information as the number is listed on the XXXX list.
Product: Credit reporting or other personal consumer reports

I recently reviewed Experian credit report and noticed that there are fraudulent hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive never given these companies consent to pull my credit report. Please remove these fraudulent hard inquiries from my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. This account XXXX  XXXX Account number : [ XXXX ] was opened by my husband for himself as reported in XX/XX/XXXX ( I'm only an authorized user ). 

However after asking that the payment history and dates be updated and corrected ( on XXXX XXXX, they have again all reported differently from all 3 bureaus. The bill has been paid by due date every month since he's gotten it. 

But, there are many violations on the credit report when comparing XXXX 's credit report to XXXX 's credit report because XXXX has completely deleted every record of having an account now according to my XX/XX/XXXX credit report pull. Which makes it a complete violation to report anything on the payment history, with no reportings showing for an account at all from that bureau. It has also been over 30 days again. 

I am aware that all XXXX bureaus must show the same reportings line-by-line on a credit report, or it's considered a violation. And According to the FCRA everything must be 100 % accurate. ( According to the CFPB bulletin on XXXX XXXX ) theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were XXXX things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. 

I'm dealing with adverse affects because of my credit now because of me disputing and trying to get a fair credit investigation. My credit score has dropped a lot within the past month. And me and my family have not been able to obtain our own housing now. So the address that was on file previously is no longer ours. 

15 USC code 1681n ( a ) ( 1 ) ( A ) I'm requesting monetary relief and proper corrections to the account. 

Tracking numbers : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( Transunion ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Repprting 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 XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at XXXX XXXX XXXX, XXXX, NY XXXX. 

I am writing a letter of dispute. I have included a copy of my driver'slicense and social security card to validate my identity. In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to  verify physical records on file of the original signed account or contract from any accounts you post my credit report. 

I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. 

I formally demand the following negative account records be verified, and/or removed immediately. 
Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Debt collection

Revco Solutions sending mail to a relative 's address in my name, which is not my mailing address. Company has the mailing address and a debt consolidation company which currently working with. In XX/XX/2021, Revco Solutions sent mail to the correct mailing address in XX/XX/2021 and XX/XX/2021 mail was sent to relative 's address.
Product: Credit reporting or other personal consumer reports

It appears that the Company Hunter Warfield have obtained this account as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW XXXX. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the GLBA. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud. You are now hereby notified of the following : Upon discovering FRAUD associated with the contract between the consumer and the original creditor ; the contract is no longer enforceable and is now VOID on its face. As a result, ANY and ALL consent to possess, use and share private information obtained by, through or from that contracted original creditor is now REVOKED, TERMINATED, CANCELED and RESCINDED pursuant to XXXX XXXX XXXX  XXXX XXXX ( XXXX ).
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Santander for inaccurately reporting account XXXX as a charged-off account when it was actually a repossessed vehicle. This misrepresentation of my account status is misleading and negatively impacts my credit profile. I demand an immediate removal of this inaccurate reporting. 

Additionally, I am filing a complaint against Santander for multiple violations regarding the handling of my auto loan while I was on XXXX XXXX. Santander repossessed my vehicle without obtaining a court order, which is a direct violation of 50 U.S. Code 3952 of the Servicemembers Civil Relief Act ( SCRA ). This law explicitly protects XXXX XXXX servicemembers from vehicle repossession without a courts approval. By failing to follow this legal requirement, Santander unlawfully repossessed my vehicle.

Furthermore, Santander failed to comply with UCC Article 9, which requires creditors to provide proper notice of default and an opportunity to cure the default before repossession. There was also no attempt to conduct the vehicles sale in a commercially reasonable manner, further violating my rights and causing financial harm. 

Additionally, Santander engaged in unfair debt collection practices by repossessing my vehicle without a present legal right to do so, in violation of 15 U.S. Code 1692f ( 6 ). Their actions constitute an illegal repossession and an unconscionable means of debt collection. The information being reported is misleading as it is not consistent between all XXXX CRA 'S