23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX New rez/Shellpoint filed paperwork to foreclose on my home in XXXX. This happened after I was supposed to be in hardship to have time to catch up the payments later. 
In XX/XX/XXXX we filed bankruptcy XXXX XXXX  Since then we have been making all of our payments. Also, during this time period, our attorney filed a lawsuit against Shellpoint for the wrongful foreclosure. We have won the case since then. 
In recent months, after studying all of my mortgage statements, I discovered several errors. Also I had questions about charges such as charges related to foreclosure which did not happen. The charges such as foreclosure fees for their attorney and other related fees. 
I sent Shellpoint a letter by certified mail in XXXX of XXXX. I still have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Challenges were sent to XXXX XXXX bank through XXXX XXXX XXXX XXXX on XX/XX/11. I have not recieved an answer back from the m about the validity of this account. Transunion did not give me an answer within the 30 days.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My social security check was direct deposited, as usual on XX/XX/2021, yet it was not showing in my account. After giving it a few days, I reached out to Schwab customer service. The agent was adamant that a ) the deposit was never made, and b XXXX the Treasury Department had not issued the payment. I checked my account on the XXXX website. The agent had not been truthful. It showed the deposit made on XX/XX/2021. I contacted customer service again. The agent gave me the same false information ; payment never sent, payment never received. 

I called social security. The XXXX agent verified that all account numbers were correct and that payment was, indeed, made on XX/XX/2021. 

Once again, I contacted Schwab customer service. This agent was able to confirm that Treasury had made the payment. But, the bank has no idea where it is or when I might receive the funds. 

As of today, I still do not have my money or any estimate as to when it is expected. Of course, this has created a hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 accounts on my credit report that do not belong to me in any way I have not approved signed or used these accounts on these off my credit report since they do not belong to me I have gone thru the bureaus and the furnishers and thye are not acknowleding me at all what can I do. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Bank of America has improperly charged me fees to the amount of {$8.00} every month for the past 3 months. I have had to call in every time, waiting on hold for a ridiculous amount of time to get a hold of someone in customer service who, though they reverse the charge, has failed to resolve the issue permanently. This fee was charged for paper statements ; at no point did I ever sign up for paper statements -- further, I never received any of the paper statements in the mail that they were charging me for. Though I have gotten my money back, and hope it wo n't happen again ( do n't understand why it ca n't all be done on their side ), it has gotten immensely annoying to have to call and go through this entire process time and time again. I am writing to the CFPB so they are aware of the issue and that Bank of America takes better steps to make sure this does not happen again with me or with other customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent in a letter disputing and challenging the accuracy of the item being reported on my credit report ( see attached ). Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax provide debt validation and debt verification on this item. In addition, on XX/XX/2021, I sent in a 30 day demand letter XXXX see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act XXXX FCRA XXXX. I demand that this item be immediately removed and deleted from my credit report.
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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account type : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 UCC 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: Mortgage

Since XX/XX/2022 Ive been trying to resolve a mismanagement of my mortgage with Well Fargo with no avail to the point of now attorney involvement. When I call the settlement number XXXX their response is they will call me. Since XXXX no call and several calls to the same number ends with the same brushing off answerWe will call you.
Product: Debt collection

I received a vm on or around XXXX from XXXX XXXX with a threatening tone. He has reached out to employer, family members in another state along with neighboring family members who all reached out to me regarding his message. States he is an officer looking for me. They did not leave a company name but the contact number is XXXX. Another representative XXXX XXXX left a vm about a conversation I had with one of his employees, who stated that they do not make outbound calls. I explained my situation and she continued to say that I know what amount is due since I took out the loan etc. Did not listen to my situation. 

I attempted to contact them today XXXX and left a voicemail.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information collection needs to be removed. They removed it from XXXX  but not XXXX
Product: Credit card

I am disputing the collection account with XXXXXXXX AUTO account number XXXX dated XX/XX/year> with a balance of {$19000.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX AUTO provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Debt collection

Dear Consumer Financial Protection Bureau, This complaint concerns my experience with National Credit Systems , Inc. National Credit Systems , Inc. has sent a single letter stating that I have an " obligation '' of {$6900.00} to XXXX XXXX XXXX I have not received any written accounting of what the {$6900.00} consists of. It seems very unreasonable and unfair for a collection agency to be able to submit negative information on a consumer to the credit reporting bureaus without having provided a detailed accounting of what the " obligation '' is. 

To date, I have received no detailed written accounting from either National Credit Systems , Inc. or XXXX XXXX on this " obligation. '' I believe that the negative reporting done by National Credit Systems , Inc. should be reversed until I am provided with a written accounting of the " obligation. '' Thank you in advance for your assistance and attention. 

Sincerely, XXXX XXXX
Product: Debt collection

Comenity Bank ( XXXX  ) has called me repeatedly sometimes twice per day even if I have talked to them. They told me to set up 3 payments by phone which I did. They said they would remove late charges for those 3 months and that I would be caught up. That was 3 months ago. They still call me constantly demanding payment saying I am behind even though 2 payments have been made and 1 more is scheduled to come out the end of the month. Late charges still being charged to me. Today someone called, same as yesterday. I told them the same thing. Payments are set up like you asking stop calling me. She kept trying to tall over me and she was rude. She finally said, " It's my turn to talk and you are going to listen ''. I have called them and explained the situation and told them they are harassing me. They have been asked to stop calling repeatedly and they still call. They have violated my rights by harassing me.
Product: Credit reporting or other personal consumer reports

I recently disputed with EXPERIAN INFORMATION SOLUTIONS regarding inaccurate accounts being reported in my consumer disclosure reports. No action was taken until I filed a complaint with CFPB recently. I am filing another complaint with the CFPB because the accounts in question came out of the reinvestigation as " updated ''. I reviewed the accounts that came out of dispute " updated '' but the same inaccurate account information still persist on my consumer report with EXPERIAN. 15 USC 1681a ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Congress has made it clear per the FCRA 15 USC 1681e ( b ) 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. The accounts in question are still being inaccurately to no avail. The accounts remain incomplete and the late payments and payments regarding these accounts remain uncorrected and unverified.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I Pulled a Credit report showing Account Name : ExxonMobile/CBNA Account Number : XXXX Charge off of {$1400.00} written off. past due as of XX/XX/XXXXXXXX XXXX 

I send a certified letter which was sign for on XX/XX/XXXX ExxonMobil/CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX I am requesting a copy of a 1099-C that I did not receive for XXXX. 

Sincersly, XXXX XXXX XXXX
Product: Debt collection

Back in XXXX my credit got messed up, XXXXXXXX XXXX XXXX put in on report, I totally understand, XXXX  put in on my credit report twice with two XXXX  companies, now after five years they sell it to LVNV funding and they mark my credit report for a third time, so this is being held against me for twelve years, they make it where you can never get on your feet. XXXX made a lot of money off me since XXXX when I first received the card. I don't think I should be terrorized by them for twelve years.
Product: Credit card

On XX/XX/XXXX I filed a complaint that they have not responded to yet where I am receiving statements and denied access online .on XX/XX/XXXX th they reported me late for XXXX and XXXX the XXXX late was already there and supposed to be removed according to them. The XXXX one was not that was done out of retaliation. For the complaint there were XXXX XXXXXXXX other reason. Also today is 21 days before my payment is due and I am regulatingg proof it was mailed out today, emailed to me or give me access cause tomorrow they will be in violation. I would expect them to be fined
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Wells Fargo did a money wire to XXXX in New York for XXXX XXXX XXXX. I purchased a car from XXXX XXXX XXXX for {$57000.00}. Turned out XXXX automotive is a shell company used for laundering money. I notified Well Fargo XX/XX/XXXX of wire fraud. They notified XXXX. XXXX said they transferred the money already to XXXX XXXX. Wells Fargo said nothing can be done and closed the wire fraud claim. Thats not acceptable. I called the and requested an affidavit for fraud and forgery. They have been unresponsive to my requests. They said theyd send me the documents why they closed the case. I am the one that notified them of XXXX XXXX being a fraudulent company. I asked for the XXXX address and phone number in New York and they said they would check on that. They have the bank routing number. They are not doing their job in wire fraud. It is a federal offense. I have notified XXXX County Sheriffs Department, file with the FBI, files with the State department, filed with the FTC for the state of California, notified the PD in XXXX Kentucky, notified the Kentucky State Department and the FTC for Kentucky. All say I have a case for fraud. I have all documents available if needed. I just would like a little help from the bank. Can you help me?
Product: Credit card

My name is XXXX XXXX. I'm writing this complaint because Bank of America has closed my account for no reason because I asked them, what was the reason for it? And they say, just because we can. Give you no reason. We can close it whenever we want. And that's what it says in our contract. And I keep asking him and calling on why they close my account, and they never told me why. And also, they have a critical. and my name that I already got charged off. So they already wrote him off on the Texas. But yeah, they're still charging me and sold my information to another debt collector and declaration called me and I never. received already consent letter from them about releasing my information. XXXX was over XXXX years old. And this is affecting my credit report significantly because they put the negative remark on My report. and I have called them to get it removed under new federal laws for consumers. and they're title 15 USC 1681B.
Product: Debt collection

Hello I have forwarded this email to my personal email to respond. This is harassment, I just spoke with Navient support this morning informing Navient that I filed a complaint with the consumer financial protection Bureau for sending my work a letter asking for my personal information, this call ended at XXXX XXXX. After I arrived to work and opened my email I see the below email was sent at XXXX XXXX  to my entire company. I will be filling a second complaint for the continued harassment at my work. 

I requested my promissory notes this morning be sent to me and I will be working on a plan of action with a third party. I will either be in touch Friday or Monday. 


XXXX On Thu, XX/XX/2020, XXXX XXXX XXXX XXXX XXXX wrote :
Product: Student loan

In XXXX I was granted at borrower 's defense loan discharge. I was told that I would receive a refund for any payments made I made on my loans. In XXXX my service provider, Great lakes, transferred to Nelnet. I never received a refund. I have been calling Nelnet, who sent me to borrower 's defense, who sent me to the department of education, who sent me student aids voicemail box. I have Left multiple messages and have not heard back. On my studentaid.gov dashboard, I still have " processing discharge '' and no further information. Please help me.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the handling of my credit report disputes by the major credit bureaus : XXXX, TransUnion, and XXXX. Despite multiple attempts to resolve inaccuracies on my credit reports, I have encountered significant obstacles and inadequate responses from each of these bureaus, which has left me feeling utterly exasperated. 

XXXX : Non-Responsive Behavior XXXX has failed to respond to my disputes altogether. I have submitted multiple dispute letters, providing detailed explanations and supporting evidence to demonstrate the inaccuracies in my report. Despite my efforts, XXXX has not acknowledged or addressed my concerns. This complete lack of response is not only unprofessional but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

TransUnion : XXXX XXXX Letters TransUnion has been sending me generic stall letters that do not address the specific issues I have raised. These stall letters claim that my disputes require additional time for investigation, yet they provide no substantive information or progress updates. It is evident that TransUnion is attempting to delay the resolution of my disputes without conducting a proper investigation, which is unacceptable and in direct violation of the FCRA. 

XXXX : Disputing the Legitimacy of My Disputes XXXX has sent me emails questioning the legitimacy of my disputes, suggesting that they do not believe the disputes were initiated by me. This is particularly frustrating, as I have provided all necessary documentation and identification to verify my identity. XXXX 's refusal to acknowledge and investigate my disputes is a clear violation of my consumer rights and further exacerbates my distress. 

Impact on My Financial Well-being The lack of responsiveness and inadequate handling of my disputes by XXXX, TransUnion, and XXXX has had a significant negative impact on my financial well-being. The inaccuracies on my credit reports have led to unfair denials of credit, higher interest rates, and damage to my credit score. I am now at a point where I feel helpless and overwhelmed by the actions of these credit bureaus. 







Request for CFPB Intervention I urgently request the intervention of the Consumer Financial Protection Bureau ( CFPB ) to hold XXXX, TransUnion, and XXXX accountable for their non-compliance with the FCRA. I am seeking immediate and thorough investigations into my disputes, as well as appropriate penalties for the credit bureaus ' failure to fulfill their legal obligations. 

I am deeply frustrated by the current situation and implore the CFPB to take swift action to ensure that my disputes are addressed fairly and promptly. I believe that the CFPB 's involvement is crucial to rectifying these issues and protecting my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA
Product: Vehicle loan or lease

I received an email from BMWF Collections dept yesterday, XX/XX/XXXX, requesting I call them directly. This email was received after I sent a direct message on BMWF site with intentions to pay, received and replied to by a XXXX, I believe is the name.. I called BMWF line at XXXX, spoke with a XXXX I believe is her name, provided intentions to pay XXXX past amount of XXXX. A bill payment is scheduled for today, XX/XX/XXXX. in the amount of {$140.00}, another payment in the amount of {$500.00} will be made this coming week, another payment in the amount of {$200.00} by XX/XX/XXXX. I believe these payments should cover XXXX. On a side note, a payment confirmation email was received today showing a payment in the amount of {$900.00} made on XX/XX/XXXX, I believe, in which case this appears to be an error on end of BMWF, sending an email from a payment made in XXXX For whatever reason, the payment could not be taken out of the account, ending in XXXX. I was told account is frozen when it is not, other payees are able to withdraw, do not show frozen. BMWF should correct this error, sending a payment confirmation email from XXXX which was not withdrawn, account is frozen, according to their records.. Also, please note my payment intention to cover past due month of XXXX.