23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I bought new house and had a house for almost 30 years, I paid my mortgage. My loan was sold, they told me, to the private person, never disclosed who bought the loan. Demanded to pay XXXX, did not accept regular mortgage payments anymore, it was over XXXX every month. I refused to pay XXXX and Wells Fargo foreclosed on my house. I think this is a criminal what they did.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I already filed a complaint and will include a PDF copy of that complaint. 
Here is additional information regarding this debt. I am not responsible for this debt and am requesting it to be removed from my credit report. 

I am writing to reiterate the dispute of this debt for which you claim I am liable. This is inaccurate. I included a screenshot below of the email confirming my removal from the lease at XXXX. 
To clarify my situation, I was removed from the lease by the management at XXXX. I have never received any communication regarding an eviction or this collection from XXXX XXXX XXXX. The individuals responsible for the lease were XXXX XXXX and XXXX XXXX, who were both living in the apartment and paying rent. When XXXX was applying for the apartment, the salesperson requested that I be included on the lease to secure a better rental rate, with the understanding that I would be removed from the lease once XXXX relocated to Colorado and found local employment. 
Upon discovering that there was a collection against me, I contacted the XXXX XXXX office immediately. They were not able to help me and said I needed to call the parent company in California. When I called that office in California, I was informed that they could not discuss the matter with me since I was not on the lease. They also would not send me any information related to the collection or eviction. That was when I reached out to NCS for a copy of proof of the debt, however I never received proof of that debt. Now, XXXX months later, after filing a complaint with the CPFB, you send me a copy of the original lease, of which I was removed. 
I believe that XXXX and XXXX are still responsible for the original debt, however this collection needs to be immediately removed from my credit report. 
I also want to highlight that I requested proof of this debt in XX/XX/year>, but you failed to provide any documentation within the legal time limit of 30 days. This situation has had a detrimental effect on my credit. 
If this matter is not resolved within 30 days from today, XX/XX/year>, I will have no choice but to seek legal counsel and pursue financial compensation for the damages I have incurred. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" Under the Fair Credit Reporting Act 15 USC 1681 Section 602 a states " It is necessary to ensure that credit reporting agencies discharge their serious responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX, XXXX, and TransUnion are consumer reporting agencies and I am the Consumer. I have the right to ensure that my private information is not disclosed, which is supported by 15 USC 6801, which states, " It is the policy of Congress that every financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of the nonpublic personal information of those customers. '' ( transmitters of information to credit reporting agencies ) is a financial institution as defined in this title. 15 USC 1681 section 604 ( a ) ( 2 ) states, " In general, subject to subsection ( c ), a consumer reporting agency may provide a consumer report only under the following circumstances : in accordance with the written instructions of the consumer to whom it relates. '' ( disclosure of information to credit reporting agencies ) the financial institution and the consumer reporting agencies XXXX, XXXX, and TransUnion Do Not have my consent to share this information, and they certainly do not have my written consent. Any consent to XXXX, XXXX, TransUnion ( suppliers of information to credit reporting agencies ), whether oral, non-oral, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is provided with an explanation of how to exercise this option not to disclose. '' ( XXXX of XXXX XXXX XXXX XXXX XXXX ) never informed me of my right to exercise my right not to disclose. Not only that 15 USC 1681C ( a ) ( 5 ) states, " Except as permitted under subsection ( b ), no consumer reporting agency may provide a consumer report that contains any of the following information Any other adverse information, other than records of felony convictions, that dates back more than seven years to the report. '' This account is adverse information that they are re-reporting without my permission, which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states, " A person shall not provide information about a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states, " Each consumer reporting agency shall maintain reasonable procedures designed to prevent violations of section 1681c of this title and to limit the provision of consumer reports to the purposes specified in section 1681b of this title. '' XXXX, XXXX, and TransUnion do not follow adequate procedures. Also, 12 CFR 1016.7 states, " A consumer may exercise the right to withdraw at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a vehicle loan through Credit Acceptance. On XX/XX/XXXX, at XXXX, I was involved in a accident that totaled my vehicle. I was not at fault, a lady had ran a red light and hit me. My insurance company ( XXXX ), on XX/XX/XXXX, paid Credit Acceptance in the amount of {$7900.00}, which shows cleared status. Credit Acceptance informed me that I still owed {$1700.00} ( and was sent to collections, even though I have not missed a payment and am in good standing ), which I made payment arrangements ( XX/XX/XXXX ) for {$100.00} a month. They offered me a payout of Little over {$800.00}, but I turned it down due to the negative impact it would have on my credit, I would rather pay it off. Credit Acceptance refuses to update my credit report and my online Credit Acceptance page to show accurate amount owed. They were paid {$7900.00} and I feel my credit should reflect that, they got a huge portion of there money and I am making payments on the remaining portion. By them not updating the correct info, it hurts my credit and makes it harder for me to purchase another vehicle ( which I need ). By updating my credit it would lower dept owed by more then {$7900.00} which to me is significant. I have call Credit Acceptance four times to try and get this issue fixed and they would not do it. I filed a dispute with XXXX. After there investigation, they in formed me that Credit Acceptance stated that the info was correct and that I still owe over {$10000.00} dollars. what kind of an investigation is that, when they just accept the word of a company, that's not an investigation. Its not right that these company 's can do this to people. I have made all my payments, I made arrangement 's to pay off the remaining balance, which I have been true to the agreement. Buy updating my credit to show actual amount owed XXXX true amount ) that helps me to move on and help with getting another vehicle. Right now, my credit gets pulled and all they see is, I owe another company {$10000.00}, which is not true.
Product: Credit reporting or other personal consumer reports

Section 605B of the Fair Credit Reporting Act ( FCRA ) deals with blocking information resulting from identity theft. Specifically, it provides a mechanism for consumers to request that credit reporting agencies ( CRAs ) block information on their credit reports that resulted from identity theft. Heres an overview of its key components : Key Points of FCRA Section 605B : Request to Block Information Due to Identity Theft : If a consumer discovers that certain information on their credit report is a result of identity theft, they can submit a request to the credit reporting agency to block this fraudulent information.

Documentation Requirement : To process the request, the consumer must provide : A copy of an identity theft report, typically filed with law enforcement or a government agency.

Proof of identity, such as a Social Security number or a drivers license.

Obligations of Credit Reporting Agencies : Once the CRA receives the proper documentation, it is required to block the disputed information within XXXX business days. 
The CRA is also responsible for notifying the entities ( such as creditors ) that furnished the fraudulent information. 
Exceptions to Blocking Requirements : The CRA is not required to block information if it has substantial reason to believe that : The information is accurate. 
The information was blocked in error or due to fraud in the identity theft report itself. 
The consumer made a misrepresentation in the request to block the information. 
Notification to the Consumer : If a CRA decides not to block the information ( due to exceptions ), it must notify the consumer in a timely manner, explaining the reasons for the decision. 
This section provides consumers with important protections against identity theft by allowing them to remove fraudulent information from their credit reports, which can otherwise damage their credit scores and financial standing.
Product: Debt collection

Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to the credit bureaus name of the credit bureau whose report has incorrect information ]. I have the below item in question listed below.

AFNI acco
unt number XXXX This item is inaccurate and I am requesting that ANFI have the item removed my credit report immediately. 

Thank You
Product: Debt collection

On XXXX XXXX, 2015, XXXX sent me an offer to settle my {$280.00} debt for only {$140.00} if I paid the {$140.00} within 45 days of the offer 's date. 

On XXXX XXXX, 2015, I paid XXXX {$140.00}, via electronic transfer ( 28 days from the date of the offer ) and on XXXX XXXX, 2015, I paid XXXX {$140.00}, via electronic transfer ( 42 days from the date of the offer ). This means that on XXXX XXXX, 2015, I paid XXXX in full. 

On XXXX XXXX, 2015, I get a letter from Northland Group stating that XXXX had turned over my debt of {$280.00} to them and that I need to contact them to arrange payment. 

This debt was paid in full on XXXX XXXX, 2015. This is an attempt to scam me into making a double payment.
Product: Checking or savings account

In XXXX XXXX my bank account was closed by HSBC without properly informing me and telling me why or what reasons they had to closing my account. Ive never had a returned check deposits or a negative balance. Ive called several times asking the bank for the reason of this action since I had just opened my account with them the previous month, and with no notification closed my account with my funds held by this bank. It is now XX/XX/2022 Ive called them and filed a XXXX financial hardship and there department still doesnt have a proper response. I am asking for help since I am running out of patience and dont wan na loose my composure do to my bills arent getting paid and is accruing late payments that are stacking up as I write this message.
Product: Checking or savings account

On XX/XX/20, I initiated a {$180.00} transfer from this account to my checking account at another bank. On XX/XX/20, USBank for some reason identified this transfer as suspicious and froze my access to all funds in my USBank account. I contacted USBank by telephone regarding the freeze on my account on XX/XX/20, and USBank requested that I fax identity documents to verify that I am the rightful account owner. On XX/XX/20, I both faxed the requested documents to USBank and also uploaded a copy of my identification documents to USBank 's online portal that USBank has established to receive such documents. Following my XX/XX/20 fax and upload of identification documents to USBank, my USBank account remained frozen and I continued to have no access to funds. I again contacted USBank by telephone to request removal of the account freeze and USBank again requested that I fax my identification documents. On XX/XX/20, I again faxed my identification documents to USBank. However, my account remains completely frozen and I have no access to funds. I have contacted USBank by telephone repeatedly after XX/XX/20, and USBank still has not provided access to my account funds.
Product: Credit reporting or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with the balance of {$5100.00}. I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : XXXX XXXX XXXX XXXX : {$1000.00}
Product: Credit card

I had applied for American Express Platinum Card and I was offered for XXXX bonus for spending XXXX. I had met my spending requirement and was award with XXXX bonus. Last week American Express removed my XXXX bonus without notify me. I had set up a case for disputed but they denied my request to give back the reward. Their lame reason was I am not qualify for the bonus. My question to them was how am I not qualify if I already received my reward? Why are they taking away my bonus points without notify anyone or even send out a letter for the explanation? I feel so frustrated and want to cancel my credit card, but they refused to give back all my membership fee, which is XXXX dollars. Please investigate American Express for their scamming consumers. What they did was absolutely wrong and unethical. Thank you very much for your help.
Product: Mortgage

We have already submitted a complaint against PHH. It seemed to be worked out but after a letter, which I will attach, from PHH saying they are honoring our loan modification they have refused our XX/XX/XXXX payment which is the first payment after the 3 trial payments which were all made on time and cashed, the first trial payment was to XXXX due XXXX XXXX made on time and cashed by XXXX, XXXX XXXX XXXX 2016 and XXXX XXXX XXXX trial payments to PHH made on time and cashed by PHH on time. I am attaching proof of the trial payments. PHH sent back our XX/XX/XXXX payment and sent a letter of Defaut and Accelerate Forclosure Notice. I am attaching the letter refusing our XX/XX/XXXX payment. This is very distressing to say the least. I have called PHH XXXX XXXX Liason office of the President XXXX ext. XXXXand she stated there must have been a mistake and she would check into it. I have not had a response and have called back and left a message to call me. The check was refused by XXXX XXXX XXXX ext. XXXX.
Product: Debt collection

I am in very bad financial shape stemming from a very bad employment situation I suffered, and am still suffering at the hands of my ex- employer XXXX that left me in financial ruin, and now I have XXXX XXXX XXXX trying to further ruin me with there aggressive collection tactics and complete disregard for the physical, emotional, and psychological toll I am enduring. 

The nature of my complaint involved a very aggressive debt collector named " XXXX XXXX XXXX '' whom bought two accounts, for the purpose of this compliant it will be specifically about my XXXX XXXX account. However a second complaint will be filed with regards to my other account with them. 

In 2017 I started working with a local automotive parts manufacture here in town called XXXX while I was enrolled in college full time. This job really left me in financial ruin, as slowly my wages were not being paid to me. Sadly, the fact that I was left without wages and the owner would string me along and promise to pay me " next week, next month '' etc, I continued to work without pay expecting to eventually receive my wages. 

Because I was not getting paid, my credit cards and other bills went into default. One of those is this debt XXXX XXXX bought from Citibank. I have been engaged in a 2 year legal battle with XXXX and it's owners. I have a case with the California Department of Labor and have had multiple hearings and a trial where I was  awarded by the court my past due wages. I have attached the court declarations and the complaint against XXXX, so you can read first hand the nightmare I've been through. I even lost my dear Dog because I was unable to pay his continued veterinary treatment. 

However this judgement awarding me my past due wages has been impossible to collect, and even though I have a court order for CALMINI to pay me, I have not received any monies and the situation looks extremely unlikely I will see a XXXX out of this due to the company being now investigated by the Local District Attorney 's office, and they have an F rating on the XXXX so they have zero chance of actually getting new clients. I am attaching the proof of the D.A investigation and a copy of the XXXX profile so you can see. 

I have implored midland to really help me with this, but instead they just transfer me to there " legal department '' like i'm supposed to be some kind of criminal. I hope once they see the proof of my terrible situation they will be more willing to work with me. I do not appreciate them making legal threats against me, when I'm simply just trying to resolve my account. they are impossible to negotiate with and I just hope these facts helps them help me pay this off at a reduced amount, and stop threatening me with legal action when I am not refusing to pay.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I was notified by Experian that my information was compromised. I noticed that old addresses are being used as current, different name spellings, different birthdays and many unknown inquiries have been made. 

I should not have any inquiries except from XXXX XXXX XXXX XXXX. I have not applied for credit any where else. 

Please make sure national credit systems has deleted the XXXX XXXX account.. deleted as agreed. 

XXXX adjustments account -XXXX XXXX {$100.00} Delete as agreeed. 

I really dont feel like my credit report is a true reflection of my credit please make all the necessary corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute fraudulent information that I noticed have been reported on my credit report. Several months back i had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very hard! I have been receiving emails and calls about debt that is not mine. My personal data has was exposed in several major data breaches including XXXX, Equifax, and XXXX breach
Product: Credit reporting or other personal consumer reports

I asked for proof of verification of late payment on account in the form of visual proof sent to me of documents. instead they reported the account as open from XXXX to XXXX and in CO status XX/XX/XXXX yet they also report the account was open in XXXX. They changed it to report many errors nothing reported on this report for this account is correct. This account was not even open between the years of XXXX and XXXX. Under the FCRA they must delete the account if they can not accurately verify and report the information. The reporting of this inaccurate and recent fraudulently reported late payments are very damaging and are holding me back from getting a mortgage approved which in turn allows me to request financial compensation of {$1000.00} per violation, which happens to be 9 violations through the court.