23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello good afternoon, I had a predatory lending auto loan with Santander Consumer USA in XXXX. I financed a vehicle in XXXX with Santander, the terms of the loan were 22.94 % interest rate at a monthly payment of {$800.00} and {$27000.00} for interest, the full pay off amount for the vehicle at the time was {$63000.00} on a XXXX vehicle. The account defaulted and vehicle was repossessed because I was unable to make such high large payments due to my job lay off. However on XX/XX/XXXX, I settled the balance in full on the account with a collections agency who had taken over the account. Per my findings, the account is still being reported in a collections/charge-off status on all three ( 3 ) of my credit reports ( XXXX, XXXX and XXXX ) Santander has refused to remove the account even after settling in full. They have advised I would need to wait 7-10 years to remove this negative remark off of my credit even after settling the account in full. Santander intentionally put me in this predatory lending loan, my monthly income on the Santander Finance application was falsified. Santander put {$6000.00} as my monthly income as I only made about {$13000.00} which was reported on my tax return for the year of XXXX. They have not provided any solution or resolution to address this matter even after paying Santander thousands of dollars to settle the account.
Product: Mortgage

I am a victim of fraud and misrepresentation by my mortgage lender Wells Fargo. I have a FHA loan insured by HUD and due to a switch in employers and payment frequency I went through a temporary financial hardship and missed some mortgage payments. A couple of months later when I was in a stable position I contacted Wells Fargo to address the late payments and they told me since I had an FHA loan that there were several assistance programs. I was told I needed to apply for a modification, and XXXX XXXX was our designated contact at XXXX EXT XXXX. After supplying all of our paperwork we received modification paperwork in the mail and a notary came over for us to sign this. However, there were no terms, no payment amount and no statement telling when and where to make the mortgage payment in the Wells Fargo paperwork. We called Wells Fargo on several occasions and XXXX XXXX said she would look into it. She finally told us that our payment was {$1900.00} but that since the terms were not in the modification paperwork that we should not make a payment while Wells Fargo gets things straightened out. 

A couple of weeks later we called XXXX XXXX again to get more information. Once again she told us NOT to pay and to wait 30 more days so she could get this straightened out. After we did not make the second modification payment the collections department at Wells Fargo began calling us and telling us we were delinquent and that we were supposed to be making payments over the last couple of months. They told us they would not accept a single payment, only the full past due amount with late fees and Attorney fees. Now XXXX XXXX is apologizing over and over and saying let me get this straightened out ... ... ... ... ..but she never did. Soon we were in foreclosure and Wells Fargo set a foreclosure sale date. 

We are either victims of fraud and misrepresentation or utter incompetence on the part of Wells Fargo. Based on the fake bank account scandal and the investigations by Congress into the behavior and culture at Wells Fargo I admit I am not surprised. However, we are still in a difficult situation because of this. Wells Fargo appears to be willing to rip off HUD as well as my family, they want to lie and make misrepresentations so they can cash in the insurance instead of following the rules. Please look into this matter, all of our conversations with XXXX XXXX were recorded, we are telling the truth and Wells Fargo needs to be held accountable. We were approved, we had the means to pay, we wanted to pay and Wells Fargo told us not to because of errors on our paperwork. When we followed their advice we were put into foreclosure and they set a sale date and refused to accept any type of payment from us except the full past due amount.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 my credit report was pulled without my knowledge and consent
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no clue why they're there. I regularly check my credit report, but this time I noticed unexpected discrepancies. I even refreshed my browser thinking it might be a glitch, but the incorrect accounts remained. Due to this issue, I request a thorough review of the documents I submitted to ensure I no longer have to worry about this.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX the Department of EducationXXXX reported to Experian and XXXX ( a third party ) my account information without my consent. The Department of Education/XXXX also reported to XXXX my account on XX/XX/XXXX. The Family Educational Rights and Privacy Act ( FERPA ) is a Federal law that protects the privacy of student education records ( 20 U.S.C. 1232 ( b ) ). Providing my account details to a third party is a violation of this law. The law only allows student account information be disclosed with specified agencies without the students consent.
Product: Debt collection

Diversified Consultants, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX FL XXXX | Complaint : Diversified Consultants placed a collection debt on my credit report ( s ) during the debt validation process that was not legally validated pursuant to FDCPA Section 809 ( b ). 

A recent review of my major credit reports reveal Diversified Consultants placed a collection debt on my credit report ( s ) regarding XXXX XXXX XXXX XXXX during the debt validation process that was not legally validated pursuant to FDCPA Section 809 ( b ). 

I have not received any written communication from Diversified Consultants via US Mail regular 1st class mail service, or any certified mail service that my signature guarantees my receipt of debt validation, and debt collector validation. 

Most important, I have not received the due process of validating the debt, and the debt collector. 

On XX/XX/XXXX, I, XXXX XXXX XXXX, submitted a consumer dispute regarding the collection debt through the companys corporate website at www.dcicollect.com ( copy of dispute attached ). My dispute outlined the necessary information a debt collector must provide to validate the debt, and to validate the legitimacy of the debt collector. 

On XX/XX/XXXX, I received an email response from employee XXXX XXXX, Compliance Analyst ( copy of email attached ). The email stated that she would forward the email to the appropriate office ( Copy of email attached ). The email also states that I could receive something in the mail. 

On XX/XX/XXXX, I received a notice from XXXX XXXX that Diversified Consultants had placed a collection account on my XXXX credit report ( copy of email attached ). 

Under FDCPA Section 809 ( b ), debt collectors are not allowed to pursue collection activity until the debt is validated. In XXXX XXXX, XXXX XXXX XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

I filed a complaint with the XXXX XXXX XXXX of Florida. The company states they have done no wrong. The company states they mailed validation information XX/XX/XXXX. I did not receive any information in the mail. The company has not provided any proof of mailing from the United States Postal Service such as a " certificate of mailing '', or a " certified mail return receipt ''
Product: Credit reporting or other personal consumer reports

Request is deletion of debt on credit report All 3 agencies to update and delete remarks on credit reporting. 
Account is being reported by original credit card company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Certified mailed dispute letters have been mailed. 

Violating FCRA MISLEADING TRIPLE REPORTING OF DEBT. 
Requesting for account to be deleted from credit reports including XXXX XXXX XXXX Experian XXXX
Product: Credit reporting or other personal consumer reports

This account is aged off and they continue to " refresh '' as if active. Incorrect and illegal reporting and refusal to follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX 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 NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -XXXX XXXX  XXXX -XXXX  XXXX -XXXX XXXX XXXXXXXX -XXXX XXXX XXXXXXXX -XXXX  XXXX - 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 an account without my written instructions.
Product: Credit card or prepaid card

XXXX of 2019 I saw a promo on XXXX about a XXXX tool combo set. I clicked to order it, I used my Bank Of America ( BOA ) credit card to purchase this 7 piece tool set. 
This company did not send me any notification at all. Days later I received a worthless piece of vinyl ( credit card holder? ) that the package on it said it was from XXXX, and the weight was XXXX. I kept the package because it was unusual, and thought something was up. 
My credit card was hit with {$170.00} from : XXXX XXXX. I contacted Bank of America, started this dispute. 
This fraud company is good - they said they sent me something. Yes, the worthless piece of vinyl. I even made copies of the envelope that says very small on it " 7 piece tool set '' and the weight ..... XXXX. Right??? 
We went back and forth on this ( calls, letters, faxes, etc. ). There was no way to contact this fraud company : no packing slip, no e-mail, nothing. 
BOA put the PROOF ON ME to show what was to be sent for the {$170.00}. I could not find that ad on XXXX ( and I did later see and took a picture of another scam that company was doing with XXXX  things on XXXX - and people 's comments on that ad said NO - DON '' T GET THIS -- IT'S A SCAM ). So there's another problem. I looked forever for a way to contact XXXX to make them aware of this fraud vender -- and I could not. Sad. 
So, I would not get my {$170.00} refund although the company could not prove they sent me a 7 piece tool set. BOA made me prove it was what I was to get -- and there was no way to prove that besides my package that labeled it -- and the weight was XXXX XXXX ( which should be proof the tool set was not in it ). 
By-the-way, this fraud company is smart. They ship something to you ( to prove they sent something ), they leave no evidence, and they work out of a multi company online place ( like XXXX ) so you can't find them.
Product: Credit card or prepaid card

I was told that I was denied a contractual obligation for raised credit limit and unsecured card. The credit card company states its for a returned payment for insufficient funds, however I have proof from my bank that it was not only taken out of my account by the credit card company but also never returned to my account. The credit card company is not only in breech of contract they have also stolen money out of my account. I have called repeatedly to inform them of their mistake only to be told that it is my issue not theirs. I am also upset over the fact that the dates don't even match up. They're saying it's the XXXX of XXXX 2022 that was returned but I made the payment on the XXXX. They're also stating that the payment made on the XXXX was from a different card. I have made a payment from a different card, however that was a separate payment altogether. It's not even for the same amount.
Product: Mortgage

A little over a month ago I started a refinance with New Rez Mortgage. My loan officer was XXXX XXXX. I have been waiting for this loan to close for now over a month. I was assigned a processor by the name of XXXX XXXX who was supposed to take care of the final collection of docs etc. I attempted to email XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX requesting some kind of ETA when the loan was going to close. XXXX would email me back telling me he was checking on everything and would get back to me. XXXX on the other emailed me specifically on XX/XX/XXXX, told me she would give me a status on my closure before she left for the day, and didn't respond back to me. Come to find out - she no longer works for the company. I have now been reassigned to a processor by the name of XXXX. I didn't this information out until AFTER I bugged XXXX yet again to find out what is going on. Now - I have emailed and called XXXX on XX/XX/XXXX and XX/XX/XXXXwith no response on a status to my loan. I have now left a message for XXXX 's supervisor XXXX DEMANDING when is my loan closing. I am anticipating $ 20,800+ back from this refi which I need to do repairs on my home. Plus, I have paid them {$500.00} for an appraisal. Where has that money gone? Where is my money? This is the third time I have refinanced and not once have I seen a refinance take this long to close.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my consumer report that doesnt belong to me I believe it was fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of deceptive practices performed by  XXXX ,   XXXX   XXXX     XXXX , and TransUnion. I am paying monthly fees to track my  Fico score  with  XXXX ,  XXXX , and Transunion. I have applied f or 3 loa ns and each time I was denied by the lender because of the scores reported to the lender by  XXXX ,   XXXX      XXXX   XXXX   XXXX , and Transunion.  XXXX  has consistently reported a much lower score to the lender than the score I purchase from them every month. I should be entitled to know exactly what  XXXX  is going to report to a lender before I apply for any loan. This way would save everyone time and embarrassment. Because of th e two different numbers presented ( one to me and a different number to the lender )    XXXX    has lied about providing me access to  my Fico scor e. I filed a complaint with   XXXX    and   XXXX   XXXX   XXXX   XXXX  in  XXXX  through the Illinois Attorney General  (   XXXX    reference  XXXX  ) a nd I got no results. I was denied a loan on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  based on information received from  XXXX  and     XXXX   XXXX   XXXX  . I was also denied a mortgage loan on  XXXX / XXXX / XXXX  based on information from TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following accounts where Where deleted XXXXXXXX XXXX accounts number XXXX & XXXX XXXX account Number XXXX & XXXX Account number XXXX & XXXX XXXX Account number XXXX these accounts where previously deleted in XXXX XXXX then after 4 months I received a letter from XXXX stating the all previously deleted where back on my credit report .. XXXX also violated my rights under 15.U.S.C. 1681 section 604 A section 2 The Law clearly states a consumer reporting agency can not furnish an account without my written instructions. they also violated my rights under 15 U.S.C. 1681 Section 611 ( 2 ) ( e ) : The cleary states the credit bureus have 5 days to notify me from when they receives my disputes. they also violated my rights under 15 U.S.C. 1681 section 611 ( 5 ) ( a ) ( l ) ( i ) the law cleary states if items are are found inaccurate or can not be verified the consumer reporting shell promptly delete the information from the file of the consumer.
Product: Credit card

I was a victiam of Identity Theft. A account was open XX/XX/XXXX, XXXX the account was restricted on XX/XX/2023 for suspicion of fraud. Instead of closing the account right then Capital One allowed the account to stay on Restriction and accumulate months of monthly fees, Late payments, and late fees before they finally closed the account on XXXX XXXX XXXX. Now the account has ruined my credit and has been charged-off as bad debt showing on my credit report as a balance of {$800.00}. which is inaccurate.. as told to Fair credit act 15 USC 1681s-2 .
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against EXPERIAN for its failure to properly investigate consumer disputes, citing " SHAM INVESTIGATIONS '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fails to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers abiut investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unreasonable. The CFPBs findings indicate Zelle had not only neglected to protect consumers but also allowed repeating offenders to exploit the system, leaving users vulnerable to the scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Credit reporting 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 XXXX  has violated my right, And lists of unauthorized inquiries 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 ) ( XXXX ) XXXXection 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 ) ( XXXX ) 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

Subject : Request for Removal of Hard Inquiries Dear [ Credit Bureau Name ], I am writing to formally request the removal of certain hard inquiries from my credit report, as I believe they were made in error or without my consent. I am a consumer protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs the accuracy and privacy of information in consumer credit reports.

Upon reviewing my credit report, I noticed the following inquiries that I believe should be removed : According to 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under certain circumstances, and I do not recall authorizing these inquiries. As such, I request that you conduct a thorough investigation into these inquiries and remove them from my credit report if they can not be verified as authorized. 

Please find attached copies of my identification and any relevant documentation to support my request. I appreciate your prompt attention to this matter and look forward to your response within the 30-day timeframe as stipulated by the FCRA.

Thank you for your assistance.

Sincerely,
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

Account number : XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Payday loan, title loan, or personal loan

XX/XX/2022 Applied for installment loan in the amount of XXXX. Company denied stating unable to verify information adverse action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts due to fraud, I have sent in countless pages of documentation proving this claim. The fraudulent accounts have been removed from both TransUnion and   XXXX   for fraud but are still showing on  XXXX .      XXXX   XXXX   XXXX   XXXX   XXXX  : {$950.00}   XXXX   Balance : {$260.00}  XXXX   XXXX   XXXX  Balance : {$3200.00} I would like these removed immediately as they have been confirmed by other agencies to be fraudulent. You are reporting false information! The other agencies should have shared this information. My next step is to send a letter of intent to sue. Thank you.
Product: Checking or savings account

Two checkbooks were stolen during a theft of my storage unit, and someone fraudulently wrote and cashed a check for {$1000.00} from my Chase Total checking account on XX/XX/2021. The written amount was XXXX XXXX XXXX, but the number amount said {$1500.00}. I don't know why the check was cashed with this discrepancy. I have submitted a fraud report to Chase.
Product: Checking or savings account

I recently wrote the CFPB : " BMO made the decision to administratively close my accounts ( BMO Smart Advantage Checking # XXXX, Savings Builder # XXXX ). That's fine... They have the right to make that decision. However, they have not returned the funds that were in the accounts at closing. It has been many weeks since the closing process was initiated and completed. '' BMO responded with an email address to send my ID and utility bill to. The email address ( XXXX ) is invalid. 

I receive an error : " Address not found. Your message wasn't delivered to XXXX because the address couldn't be found, or is unable to receive mail. The response from the remote server was : XXXX XXXX User Unknown : Please request BMO send a valid e-mail address to contact.