23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have been patrons of citibank for decades. We had applied for a XXXX XXXX to refinance our home. When I happened to be at Citibank for another reason, I mentioned that we were getting a loan from XXXX and the loan representative at Citi was called in. He sat down and said we can offer you a better deal. We will match the interest rate and eliminate most of the closing costs since you are a preferred, long time customer. 
I asked how difficult it would be to do this, because XXXX was simple and did n't require reams of documentation. I was told we would need to supply tax statements, and pay stubs, and that was pretty much it. We started this in XX/XX/XXXX. We continued to supply documents until XX/XX/XXXX and then were turned down because of the debt to income ratio. Those very facts were available in the paystubs and taxes we supplied on day one! 
They appraised our home, which we were charged for, and it appraised positively. I feel like we were conned. Our time was wasted and we abandoned a loan that was about to happen. This took place in a branch in XXXX XXXX, where we live.
Product: Credit card or prepaid card

I was added as a co applicant on my brother 's and sister in law 's CHASE credit card. 
This was an unauthorized action and CHASE has been informed. All necessary documents have been sent to their corporate office. 
My brother and sister in law open a credit card with CHASE Bank account 16 years ago ( XX/XX/XXXX ) under their name and 8 years after ( 2011 year ) CHASE added me as a co applicant by error -- FRAUD. 
XX/XX/XXXX My borther and sister in law submitted a letter to Chase explaining this matter together with their attorney 's letter confirming I am not a co applicant on the account but CHASE is not authorizing to remove my name from the debt. 
They have never sent me a credit card under my name neither I have never purchase any items with their CHASE credit card ... You may ask for purchase receipts on record thru the 15 years the card has been active and confirm my signature is not in any of their sign receipts. 
When I called to confirm my name and date of birth they had the wrong year on their records as well, this is a very important matter CHASE is reporting the account on the three credit bureaus and my credit may be affected do to this situation. 
See attached letters sent to CHASE BANK from the original card owners and myself. 
I also included my license and social security card to confirm my signature. 
Please keep in mind my social security card was provided to me when I was a minor XXXX XXXX XXXX when I first enter the country my adult signature in on my license.
Product: Credit reporting

I have checked my credit report that Experian sent and they claim to have verified data that is inaccurate. I was sent no proof, just a updated report with the same inaccuracies. I have attached a letter to prove the inaccuracies from the most updated report I received from them # XXXX. This is my due diligence to correct these inaccurate items. Any response that claims the verbiage is similar to a third party will be considered a stall tactic and recorded to support a claim in small claims court and a FTC complaint. Attached is my identification and letter proving the inaccuracies.
Product: Mortgage

In XXXX I worked with Mr. Cooper to re-cast my mortgage. I wanted to pay down my mortgage to make it more affordable on monthly basis. I wanted to reduce the principle by {$100000.00}. My new payment amount was to be effective XX/XX/XXXX. I received a document to sign on XX/XX/2020. It said to make my regularly monthly payments of XXXX and XXXX on time and to send in the {$100000.00} dollars. I did EXACTLY what the agreement said to do. On their end, they made a mistake. They send me completely different set of numbers on XX/XX/XXXX, without any explanation, other than accusing me that I made a mistake by not sending in my monthly payments for XXXX and XXXX as a lump sum. I sent them at least 10 communications, showing the original letter, documents, pay statements and they will not resolve. I've asked them to update the portal so I can pay on time, update to the correct amounts and they will not get back to me. I would legal help as soon as possible. I have suffered an EXTREME amount of stress and worry over this issue caused by Mr. cooper.
Product: Checking or savings account

Wells Fargo takes advantage of the consumer by operating on the edge of the law. Beware of Wells Fargo in all areas of business.
Product: Consumer Loan

I paid {$2000.00} to pay pal credit located in Maryland. My account number XXXX. This payment was made on XXXX XXXX 2016 and when I made the payment on line that amount was to be the current balance. Today I got an email from them saying I owe an additional {$31.00} with no explanation of what that amount is for. I they indicate that if is interest, I feel that amount of interest for 3 days in criminal and that company should be federally investigated. I am a senior and on a fixed income and it took me months of saving to pay that amount, and now they want MORE???
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX, 2016 I made XXXX payments towards XXXX of my USAA credit card accounts ( total {$380.00} ). Both payments cleared my bank on XXXX XXXX, 2016. On XXXX XXXX, 2016 I noticed the payments did not apply to the BALANCE of my accounts. I called USAA and the representative said it could take 10 days? After thinking about it, I realized it didnt make sense so I emailed the company on Sunday XXXX XXXX. On Monday, XXXX XXXX, 2016 I received a voicemail from USAA ( while I was at work ) so I returned the call the next day and and left a message for that representative. As of yet, ( 4 days later ), he has not returned the call. In the mean time, I called USAA on Tuesday, XX/XX/2016 and spoke with someone regarding my XXXX payments that have not posted and they stated an IT ticket number has been assigned to my case. Being that my due date and billing cycle were a few days away, I made another payment ( {$76.00} ) so there would not be an derogatory information on my credit report. I have been given and IT trouble ticket number and the " estimated '' time to have this issue fixed is XXXX XXXX, 2016. In the mean time, my billing cycle ends today and my credit reports will now reflect no payment for the month because of their errors. After numerous calls and passing me back and forth I am unable to get anything else resolved.
Product: Debt collection

TRANSWORLD SYSTEM INC. 
Is just a fraud company that using codes to fraud me out of money. I never did paperwork with them. I don't kniow them. If they keep it up I will report them to the SEC, OCC, and the FTC for FRAUD and own up to 11 % of their company. This is a warning I will Whistle blow on TRANSWORLD SYSTEM INC. Keep me out of your system.

15 U.S.C. 1692j Prohibits the design, compilation, and distribution of forms that create the false impression that someone other than the creditor is collecting a debt 15 U.S.C. 1692c ( b ) Sets forth who a debt collector can communicate with without the consumer 's consent 15 U.S.C. 1692g Requires debt collectors to provide consumers with the name and address of the original creditor if requested in writing within 30 days 15 U.S.C. 1692e Prohibits false representations or implications that a debt collector is affiliated with the United States or a state
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXXXXXX XX/XX/XXXX {$520.00}
Product: Debt collection

When my BMW lease contract ended, there was a balance for mileage overage. I was making monthly payments on the balance. I received no updated statements or calls informing me that the balance needed to be paid by a specific time. Had I know this would impact me I would had paid balance before a collections marking was added on my credit. I have never been late on any of my accounts. This has affected me financially ; it has not allowed me to get another vehicle due to the impact on my credit score. I received one call on XX/XX/year>. I was told that if the balance was not paid, it would affect my credit, so I paid it in full. However, why did I not receive a letter or call prior? Had I known, I would have paid. I did not willfully try to evade paying this account.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed inquires on my report which I did not do. 

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 Please delete immediately
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. 
All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, South Carolina XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. 
There are CHARGEOFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. There are multiple Hard Inquiries on my credit report that are NOT authorized, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX There are multiple Soft Inquiries that are NOT AUTHORIZED : 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 
Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. The Student Loans being reported on my credit MUST be removed. 
Student Loans on credit report is a violation of the Family Educational Rights and Privacy Act of 1974 ( FERPA ) The school agreed that they will not provide transaction history to any 3rd party.

16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.
Product: Mortgage

They have since day one abused Me as a consumer, they have taken more out in escrow and refused to correct it even after I showed proof. The recently they reported me late and stated in XX/XX/2014 they were starting foreclosure even though I was in a bankruptcy. This is inaccurate information and I have asked to have it changed and they have refused
Product: Credit reporting, credit repair services, or other personal consumer reports

sent po report id theft cra violation inaccurate information
Product: Credit reporting, credit repair services, 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 accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this 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 account below : XXXX XXXX XXXX Balance {$67000.00} ; XXXX XXXX XXXX XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$28000.00}.
Product: Credit reporting or other personal consumer reports

Experian continues to send pregenerated responses to my request WITHOUT ACTUALLY LOOKING INTO MY ISSUES
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Product: Money transfer, virtual currency, or money service

I saw this post for the concert tickets and the guy offered me to sell them for XXXX dollars for a pair and we agreed, i paid him through paypal and when he received the payment he blocked me on XXXX account and didnt send me the tickets in my email. I have contacted the XXXX XXXX and no success, i have called the paypal company and still no success, this took place on XX/XX/2018
Product: Credit reporting or other personal consumer reports

This is the second complaint I have made about XXXX XXXX. I am an endorser on a couple 's loan for my stepson. I paid off the loans in full in XXXX and XX/XX/2023. XXXX hasn't reported the loans to the credit bureau. On their website, they said they report every month to the credit bureau. The last time they reported to the credit bureau was in XX/XX/2023. Every time I call, they say the amount is to large and it'll take XXXX days. It has been over XXXX  days. Am I supposed to take legal action against the XXXX XXXX or the Department of Education to have the situation solved? I need to buy a house, but because of that, I can't do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file is a reflection of my identity been compromised, therefore not only are my accounts fraudulent but the following inquiries as well. I did Not authorize these inquiries, and I'm demanding that they be removed.

1 ) XXXX XXXX XX/XX/XXXX2 ) XXXX XXXX XXXX XXXX  XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX  XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX  XX/XX/XXXX 9 ) XXXX XXXX XXXXXX/XX/XXXX 10 ) XXXX XXXX XXXXXX/XX/XXXX 11 ) XXXX XXXX XXXX  XX/XX/XXXX12 ) XXXX XXXX XX/XX/XXXX 13 ) XXXX XXXX   XX/XX/XXXX 14 ) XXXX XXXX XXXX XX/XX/XXXX 15 ) XXXX XXXX XXXX XX/XX/XXXX 16 ) XXXX XXXX XX/XX/XXXX 17 ) XXXX XXXX XX/XX/XXXX 18 ) XXXX XXXXXX/XX/XXXX 19 ) XXXX XXXX XXXX  XX/XX/XXXX20 ) XXXX XXXX XXXX XXXX XX/XX/XXXX21 ) XXXX XXXX XX/XX/XXXX 22 ) XXXX XXXX XX/XX/XXXX 23 ) XXXX XXXXXX/XX/XXXX24 ) XXXX XXXX XXXX XX/XX/XXXX 25 ) XXXX XXXX XX/XX/XXXX 26 ) XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account reporting to the credit bureau has inaccurate information. My credit is being effected by the inaccurate information that is being reported by the agency. According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract. Any and all accounts that you post on my credit. I demand to see verifiable proof In writing of this account. Under the FCRA unverifiable accounts must be removed. I am demanding that the account be verified or removed from my credit report. I have disputed this account previously and the agency has yet to provide documentation or remove the account from my credit bureau report. Under federal law you have 30 days to complete the re-investigation. I am asking that you provide documentation with 15 days of re-investigating. I am also requesting that all inquiries on my credit be removed from the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with FD/CROSSCOUNTRY MORTGA. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX  Account XXXX Date of Charge Off : XX/XX/year> Amount : {$1900.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : 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 have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several addresses on my credit report that have been refused to be removed. There are collections I have know idea about on my credit report. There are several hard inquiries on my report as well that I didnt authorize.