23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Looking for refi I responded to ad on XXXX by Watermark XXXX stating " no fees '' with 4 % rate. At initial phone contact, was told there WOULD BE a fee to get 4 % rate but was nominal ( about {$1000.00} ) because " lender '' provided a credit of {$1900.00}. This was on XX/XX/XXXX. Everything they wanted was submitted when requested or within a day or two. On XX/XX/XXXX my loan was " formally approved '' and requesting a few more docs to " comply with underwriting requirements '' ; these docs were sent within 24 hrs or less. On XX/XX/XXXX I got another " congratulations, your loan has been formally approved '' email. All this after I had arranged IRA disbursements, provided bank statements and two years tax returns. 
XX/XX/XXXX email " I should have the clear to close this week '' but now they wanted IRS transcripts which they should have requested much earlier. I have to obtain and provide them. 
XX/XX/XXXX ( approx ) NOW, after two " approvals '', I am told my IRA funds are insufficient and they need more income sourcing ; this was provided. 
XX/XX/XXXX I receive disclosure doc showing lender credit of {$1900.00} has been rescinded and replaced with {$130.00} credit because " rate lock expired ''.
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 Government 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 Equifax 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: Vehicle loan or lease

In 2017, I leased a car for XXXX. I am currently making on time payments of XXXX dollars per month. I recently lost my job and have no steady income to repay the loan. I've made on time payments up until now and will do my best to get back on track.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item information below XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2003 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$110000.00} XXXX XXXX : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX is unauthorized because I dont have a bank account with them XXXX is unauthorized XX/XX/XXXX because I do not recognize this XXXX XXXX XXXX- fraudulent XX/XX/XXXX Acranet-XXXX XX/XX/XXXX XXXX XXXX- mortgage shopping and I dont have an account with them. I do not recognize this XXXX- unauthorized XXXX XXXX-credit monitoring service did not remove inquires and checked credit to help Did not give consent for the hard inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized XXXX XXXX XXXX I dont recognize this Please remove all of the inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments are being reported and I have never been late. I also have inquires that have yet to be removed. There are several laws that are continuously being broken by Experian, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX upon me 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( d ) ( 1 ) 15 U.S. Code 1692 ( d ) ( 5 )
Product: Consumer Loan

I have an auto loan with XXXX.  I mailed in my monthly payment to XXXX via a XXXX. I found that my payment was not posted to my auto loan account and I called XXXX and they said the XXXX was cashed. I requested the copy of who cashed the XXXX and the back of the XXXX indicated it was cashed by JP Morgan Chase. I do not have an account with JP Morgan Chase and I have no idea how they got ahold of the XXXX made out specifically to XXXX; and why did they cash this XXXX that was not made payable to JP Morgan Chase?  I called JP Morgan Chase and they told me that they did not cash the XXXX, but I have a proof that they cashed the XXXX as I requested a copy of the cashed XXXX of which I had to pay $40.00 to get this copy. The amount of the XXXX was for $XXXX, this was a two month car payment. In the mean time, XXXX has reported me as late to the credit bureau. I have taken time off work to settle this with no end result. Also this has caused me alot of stress.
Product: Debt collection

On or before XX/XX/XXXX, I contacted the original creditor and paid the medical debt I have with them directly. They told me that day, and they have confirmed multiple times since then, that they ( XXXX XXXX XXXX ) notified the debt collector ( ACEI ) on XX/XX/XXXX of the resolution of the outstanding medical debts with them. I called to confirm this with ACEI the first week of XXXX and was told it would take awhile to process the updates of resolution of the medical debts from the original creditor and that I should submit a request in writing via email. They gave me the email address and I did this, requesting an itemized list of the remaining medical bills be sent to my account. I received a packet from XXXX dated XX/XX/XXXX. This packet does not comply with the 'tear off " verification notice with the new CFPB rule that requires a tear off giving consumers notice of how to dispute the debt. Moreover, this packet contains falsehoods. There are bills in this packet ( dated XX/XX/XXXX ) that the original creditor has confirmed have been paid. I also have made multiple attempts to request in writing updated information about verification of any debt that XXXX claims I still owe them and which bills have been resolved.
Product: Debt collection

The enclosed company have been hassling me though text messages and now email please help. i don't owe anything to them Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX employee made a duplicate refund to my credit card in XX/XX/2021. They then tried to charged the double refund back to my card, which was declined. They then attempted to contact me at an address I no longer occupy. The bill was sent to collections with XXXX XXXX XXXX. Outsource XXXX XXXX finally contacted the correct address in XX/XX/2021. The bill of {$560.00} was paid in full in XX/XX/2021. XXXX never provided an opportunity for me to pay this debt before sending to collections. 

XXXX and XXXX are not reporting this collection on my credit report. 

Experian is still reporting even after a dispute and after XXXX XXXX XXXX has sent them a paid in full balance.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On the morning of XX/XX/2022 I received a call from an individual who claimed to be a representative of the financial division in XXXX XXXX XXXX XXXXXXXX. The individual claimed that I owed money and that my service was about to be shut off. I told the individual that my account should have been closed and that I made my last payment on XX/XX/XXXX. The individual told me that there had been a problem processing my payment on their end connected to a change to a new system, but that the individual could process my original payment if I typed in a certain " code '' through XXXX. 

He asked me to enter the amount XXXX and the memo " close account not payment XXXX. '' I expressed serious misgivings about what he was asking me to do, but via deception and manipulation he gained my compliance. He caught me in a strange circumstance state of mind which made me vulnerable. After the first payment went through he expressed surprise that I was charged. He then put me on with a person who he claimed was his supervisor who would help me reverse the charge. He asked me to do the same thing again. The grave doubts that I had before were amplified but again with deception and manipulation the individual persuaded me to authorize a second " code '' that he assured me would reverse my transfer. Thus, I made a second XXXX payment in the same amount. 

Realizing that I had definitely been scammed, I then hung up and called Bank of America. I was told that the only redress I have is to ask the scammer 's bank ( XXXX ) for the money back, and they helped me make this request, though they suggested that it is unlikely to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Vehicle loan or lease

I have already attempted sinceXX/XX/XXXX to settle out on this car with this company. This has taken place from XX/XX/XXXX  up untilXX/XX/XXXX. I have submitted several complaints and in the motion of filing for arbitration. This company is indicating that I owe {$11000.00} and is valid through XX/XX/XXXX. I have already paid over {$15.00},XX/XX/XXXX for this car in which it was Contract Amount : {$13000.00} / Amount Financed : {$13000.00}. 

This car engine is no longer working. The car is not worth more than {$1000.00} and the company has failed to try and settle out this debt with me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries reported only in my Equifax and XXXX credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I used to own a secured credit card with Wells Fargo until XX/XX/XXXX when I moved back to my home country after finishing my study in the XXXX. Before I left the XXXX, I visited a Wells Fargo branch to close my checking and savings accounts, paid the outstanding balance of the secured credit card, and subsequently called the phone number on the back of the card to cancel it, which I believed the card will be canceled accordingly. I moved back home in late XX/XX/XXXX and have since never used this Wells Fargo credit card. However, I moved back to the XXXX a few weeks ago and I found my credit score to be substantially low for no reason. I requested a copy of my credit report from CFPB and discovered that Wells Fargo not only did not close my credit card but it had posted a balance of {$160.00} in XX/XX/XXXX, when I had already left the country thinking the credit card had been closed. I have tried to call customer service at Wells Fargo on the phone to file a dispute about this, and they told me to mail the requested information to Wells Fargo Credit Dispute Department, and I will receive a confirmation of receipt from them in a week, I did so and XXXX tracking showed my package was delivered to Wells Fargo on XX/XX/XXXX, but I have not received any notification since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance Corp. has reported to the 3 credit bureaus -XXXX XXXX XXXX and XXXX  that i owe a balance of {$1900.00} for a auto loan. This auto loan was paid in full on XX/XX/15. i've tried many times to talk to this company but they fuse to accept that i paid this loan. I disputed this account with all 3 credit bureaus multiple times only to have this account verified. Even though i provided them with a copy of the contract payoff. This account is hurting my credit to get a mortgage.
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 XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, the purpose of this letter is to inform you that the companies listed failed to respond in the appropriate time frame to my dispute letter from XX/XX/2020. I sent my disputes by certified mail with the XXXX. XXXX XXXX on XX/XX/2020. Federal law requires you to respond within thirty ( 30 ) days ; at this point it has been ( 102 days ) and they have failed to respond. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. 

I would like to inform you that I have maintained an accurate chronological record of my communications with them. If they continue to fail to respond to my requests, I will implement litigation due to the hardships these invalidated items on my reports have caused me.
Product: Debt collection

This company uses scare tactics, they threaten, slander and intimidation. They try using lingo that doesnt make sense, but when you ask for clarification it still makes no sense such as pull your file. They raise their voices at you even when you ask them to remain calm. I have talked to them twice. Today XX/XX/2019 and XX/XX/2019. I asked multiple times for documentation of my debt to be mailed to be only to be told it was a smoke screen. I have the right have documentation to what they are asking me to pay. The rep I spoke to was extremely unpleasant and unprofessional, I understand your job is to get money but you should never use scare tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, I believe on behalf of XXXXXXXX XXXX, made a hard credit inquiry on my account without authorization on XX/XX/2018. 
XXXX XXXX XXXXurrently holds the mortgage on my house, the mortgage was discharged in bankruptcy. The bank was involved in a short sale process at the time the inquiry was made. I am not seeking credit from XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, or any other mortgage company. In fact, I had not applied for any credit from any company. 
I spoke with the credit reporting bureaus after finding this inquiry had been made, and they told me I had to go back to the company that made the inquiry to get it removed. I contacted XXXX, requesting that the hard inquiry be removed, as it should not have been made, and was not authorized. However, I have not received further communication regarding this issue, and the inquiry has not been removed. 
Thank you for your assistance. 


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

The following credit inquires have appeared on my credit report with my knowledge or written consent. Please remove these inquires from my credit report as soon as possible. I have filed a report with FTC which is attached to the complaint. 

Please remove the following credit inquires : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I first initiated a dispute with XXXX  and XXXX  regarding Fed Loan Servicing in XX/XX/XXXX. The total amount on this account is {$36000.00}. I disputed the Fed Loan Servicing account with XXXX  and they have deleted the account after the first dispute letter. I have sent in a total of four  dispute letters to XXXX  and XXXX asking to verify the account. XXXX  and XXXX  claimed they have verified and validated the Fed Loan Servicing account all four times. I sent in a fifth letter to XXXX  and XXXX  via certified mail in XX/XX/XXXX showing proof that I was not late on my Fed Loan Servicing account in XXXX and XX/XX/XXXX. I also sent a letter to Fed Loan Servicing in XX/XX/XXXX with proof that I was not late on my account. In the evidence that I provided, I questioned how both credit reports show I was on time in XX/XX/XXXX but I was somehow 90 days late in XX/XX/XXXX and then 120 days late in XX/XX/XXXX. If I'm mistaken, there is only a 30 day difference from XX/XX/XXXX to XX/XX/XXXX and only 60 day difference from XX/XX/XXXX to XX/XX/XXXX. I also submitted evidence to XXXX, XXXX, and Fed Loan Servicing that I was zero days late on all accounts. It is XX/XX/XXXX and I have yet to receive a response to the evidence that I submitted.
Product: Credit card

Its recording I have 7 late payments with this card which is not true
Product: Debt collection

Sallie Mae called my old phone number which is now my wife 's XXXX. They left a message stating that I was listed as a personal point of contact/Reference for XXXX XXXX . My wife was upset so we called the number back. The man that answered the phone identified himself as XXXX ID number XXXX proceeded to inform us that when we lived at XXXX XXXX XXXX XXXX, XXXX  ca XXXX we were neighbors to this XXXX XXXX and they were trying to locate her so they are calling anyone who had an address near this person. 
How can they list me as a personal reference to someone I have never heard of or even know? Is it legal to blatantly lie to someone when you are trying to collect a debt? We asked to be removed from their database. The number that called us was ( XXXX ) XXXX.
Product: Checking or savings account

My daughter and myself notified the bank of the unauthorized withdrawals more than once. When the bank confirmed who did the withdrawals of most of my Social Security retirement benefits, my daughter submitted a complaint here. The bank responded but did not issue the funds back to me. The CFPB closed the complaint without asking me if it had been resolved or not with the bank. It states clearly on the Social Security website that the only person other than the person who owns the account, who can access the funds is a representative payee. I don't have a representative payee. The bank should issue the stolen money back to me as I am in poor health and need that money for my expenses. It states on the FDIC and Federal Reserve site that the bank has to refund the money while doing it's investigation. I never authorized XXXX XXXX XXXX to withdraw all my money for 3 months in a row and she is also using a fraudulent POA of finances. She was forced to resign as trustee of my trust and has no authority given by me.Even if she was POA of my finances, which she isn't, the SSA doesn't allow anyone but payee reps appointed by them to do anything with the funds. I need my Social Security money back that the bank had no right to let another person withdraw. Retirement direct deposit accounts are supposed to have a high level of security to protect people like myself and the bank is without any doubt what so ever responsible for the withdrawals that were not supposed to go to anyone but myself or a payee representative. They can sue the trustee for the withdrawn funds and get restitution because the trustee is a professional fiduciary ( hard to believe ) and is also bonded. I need my money that the bank should have never given to anyone other than the account holder which is myself. The total is between 6000-8000 and can help pay for some of my much needed medical supplies. Thank you.