23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear XXXX XXXX XXXXMy name is XXXX XXXX and I 'm a XXXX year old widow. My husband passed away 12 years ago next month. At the time of his death I was not able to afford my mortgage payments but knowing I 'm responsible for my debt I started taking in roommates to help cover my income shortfall. Time and time again I found myself being taken advantage of and had to move multiple people out. After trying to make it work with roommates I just found them damaging my property or not paying me. Finally after about 10 years ( XX/XX/XXXX ) I decided enough was enough and tried selling my home. It did not sell and I relisted it in the XX/XX/XXXX and still has not sold. Not being able to afford my mortgage I fell past due on my XXXX payment. Wells Fargo started calling me XXXX times a day and they finally broke me on XX/XX/XXXX. By that date I had spoken with multiple people and had received information in the mail. But on XX/XX/XXXX I got a call at work. I told the gentleman that I was at work and to not call me there anymore as I was working and losing my job would not help the situation. I hung up on him. XXXX minutes later he called back. I was in shock at the blatant disrespect and felt harassed that he would do that. Again I told him to stop calling me there and while he did not call me again that night I still received calls and voice mails at my job. Also in cutting back my expenses my only home number is now my cell phone which they are repeatedly calling. Sometimes there are people there and sometimes there are not. I sold some personal property and was able to make XXXX mortgage payments on XX/XX/XXXX. After doing some research I believe Wells Fargo violated my rights under the FDCPA and TCPA. Please take action against them on my behalf. I also do n't want to receive phone calls from them ever again! I revoke any consent I have given them to call me at my job, cell phone or any other number they have. I 'm happy to respond to them in writing. 

Thank you XXXX XXXX for your help, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Reporting and Violation of Rights under the FCRA Dear Sir/Madam, I am writing to file a formal complaint against XXXX and Equifax for their inaccurate reporting, which violates my rights under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 USC 1681 ( a ) ( D ) ( 2 ) ( a ) ( I ), the agencies have included transactions between myself and the persons making the report, which is prohibited by law. 

The following accounts have been inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inclusion of alleged transactions without proper investigation is a violation of my rights under the FCRA. I request a thorough investigation by the Consumer Financial Protection Bureau and appropriate action against XXXX and Equifax. Additionally, I request the removal of the aforementioned accounts from my consumer report. 

Enclosed are relevant documents supporting my claim. Please contact me if you require further information or documentation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XXXX XXXX XXXX  to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Validate/inaccurate reported late payments. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Validate/inaccurate reported late payments. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Validate/inaccurate reported late payments. 
XXXX Account Number : XXXX Please remove it from my credit report
Product: Checking or savings account

On or around XXXX XXXX my phone wallet and Passport were accidentally sent to XXXX on a plane. I was flying from XXXX to XXXX XXXX but somehow my bag was sent to XXXX apparently. My phone was brand new and had not yet been fully setup with Face ID etc. Apparently my phone was hacked into and all my passwords etc were stored on it. My phone and cards were used fraudulently. Which I reported by XX/XX/2020 once I received my new phone. I originally contacted BOA on XX/XX/2020 but becase charges were pending they told me to call back when they posted to start a dispute. Which I did. However whoever I spoke with didnt dispute all the fraud charges they only disputed two of them which caused my dispute to be cancelled because they thought I had made the other purchases which I had not. So I called again to reopen the dispute and was told that was happening however the dispute was never reopened and the charges are being blamed on me despite the fact that I was in the USA. My other credit card companies credit me already and sent new cards. Only Bank of America has tried to find me responsible for these charges which is ridiculous being that Im not even allowed to leave the USA due to Covid 19 so how could I be making charges in another country. They also claimed that because someone had logged into my online banking it must be me. However as I tried to explain to them my phone was stolen and apparently hacked according to XXXX and I did not make any mobile or other transactions. BOA claims I made these charges in the USA which is absolutely absurd because theyre all made in XXXX. About {$3000.00} was stolen from my account. I want it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute and request a correction to the data on my account with XXXX, account number XXXX. It has come to my attention that there are inaccuracies in the reported information related to late or past due charges on my account. 

I want to emphasize that my account has always been in good standing, and I have diligently made all my payments on time. Despite my consistent efforts to ensure timely payments, it appears that the data being reported does not accurately reflect the positive payment history associated with my account.
Product: Checking or savings account

Regarding debit disputes XXXX, XXXX, XXXX I sent in documentation via email to Wells Fargo to support my case. Im submitting this report to ensure the temporary credits are applied to my account within 10 business days as required by Regulation E.
Product: Money transfer, virtual currency, or money service

I received a XXXX tax form in the mail from Cash app or block. It only had transactions from XXXX and XXXX. XXXX and the amount of {$70.00} and in XXXX an amount of {$21000.00} I called Cash app to look into what account was using my information And my address and they would not tell me because it was not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XX/XX/XXXX I mailed out three ( 3 ) dispute letters one to each of the credit reporting agencies XXXX, Equifax, and XXXX XXXX under the FCRA section 609 ( a ) ( 1 ) ( a ) law to conduct and provide me with proof of the original contracts with my signature on negative items and inquiries that are being reported on my credit reports are mine and they have yet to do so within the thirty ( 30 ) days that they are allowed to have in order to prove ownership and accuracy of information that is being reported.There has been no correspondence with them providing me with any information or update on the status of my disputes. Also on XX/XX/XXXX I sent out three ( 3 ) thirty ( 30 ) day demand to comply letters, one to each of the credit bureaus XXXX, XXXX, and Equifax because they have broken the law by not providing proof or correcting the items being disputed in the time frame permitted by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that a new inquiry was added to my credit profile and I DID NOT apply for a new credit line or account. I am requesting that the following inquiries get removed ASAP as they are negatively effecting my Mortgage decision. I am scheduled to relocate next month and my family and I desperately need this mortgage approval. Please remove them. Thank you in advance for your assistance! 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I continue to make payments on all my accounts and had only a few XXXX XXXX XXXX  charges, However with the XXXX raising Rates my Finance Charges sky rocketed to 29 %! I am filing this complaint to seek some relief or I must stop Payments I can no longer afford! It appears that Finance Charges are being included as 'Purchases ', which increases my payment. XXXX and American Express are the main XXXX and refuse to provide any assistance ; American Express " XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Balance : {$2300.00} ; MEDICAL XXXX Balance : {$32.00} ; XXXX XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute the following inquiries i never authorized.

XXXX XXXX XXXX XX/XX/2022
XXXX XXXX XX/XX/2022
XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian, Equifax, and Transunion for illegally reporting account XXXX XXXX XXXX XXXX on my credit report despite it being in active litigation. I have attached written proof from the company, provided via CFPB Complaint ID XXXX, confirming that this account is pending litigation. 

Under the Fair Credit Reporting Act ( FCRA ), reporting an account that is in legal dispute is misleading and inaccurate. This also violates fair debt collection practices as the debts validity is still being determined by the courts. 

I demand the immediate removal of this account from my credit report. Continued reporting of this disputed account will result in legal action for damages caused by this violation. 

I request immediate corrective action.
Product: Debt collection

I have sent a certified letter to this company to verify and validate this debt in writings several time and nothing have happen i even disputed this debt to all 3 credit bureaus and nothing
Product: Credit reporting or other personal consumer reports

I have never signed any agreement or contracts with any of these companies. I have requested for proper verification of these alleged identity theft accounts. They have failed at providing any evidence. I am requesting that these account be removed as they are fraudulent. 
15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of the law because I am an alleged victim of Identity theft! Please delete these items IMMEDIATELY! 

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

XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Product: Mortgage

I closed on a home in FL in XX/XX/2019. That mortgage company sold my mortgage to AmeriHome ( account # XXXX ). I was notified after the fact. AmeriHome is refusing to discuss any aspect of my loan with me unless I verify six points of contact information that they already have on record, every time I call. Per a mandatory disclosure recording playing on the hold line, they want to update this information so they can collect a debts should a customer default sometime in the future. I am not late on any payment, nor have I ever been late on any payment. Both agents I reached by phone the week of XXXX XX/XX/2019 refused to discuss my loan with me despite having sufficient identifying information ( name, loan number, social security number ) unless I provided their debt collection information. They refused to transfer me to a supervisor. They refused to provide any identifying information that could be used to report them. Both agents lied to me on the phone, claiming they needed the Debt Collection Act information " for my safety, to verify my identity. '' This should be illegal. There are hundreds of complaints against this company. I don't understand why they are allowed to continue to operate in this manner. Meanwhile, the homeowners insurance company has sent a second notice that AmeriHome has not paid the additional fee for including the previously excluded roof under my homeowners policy. I wrote to AmeriHome on XXXX XX/XX/2019 about this issue and received no response.
Product: Credit card or prepaid card

Capital One as NOT addressed the issues in my complaints. There is no contract or agreement for me to pay the charges on my credit card after XXXX XXXX, 2017 by XXXX XXXX XXXX XXXX XXXX. I never gave XXXX XXXX XXXX XXXX XXXX permission to use my credit card after XXXX XXXX, 2017. There is no proof I made the purchases charged to my credit card. Capital One has repeatedly required me to prove I did not make the purchases, did not give permission for my credit card to be used. It is impossible to prove you did not make a purchase or give permission. The vendor has the responsibility to PROVE the customer made the purchases, agreed to pay, gave permission for the credit card to be used, etc. Capital One has NEVER PROVIDED ANY PROOF I MADE THE PURCHASES, AGREED TO PAY, OWE ANY MONEY OR GAVE PERMISSION FOR MY CARD TO BE USED. 
Capital One keeps sending letters saying THEIR RESEARCH INDICATES SOME ONE ELSE AUTHORIZED ON MY CREDIT CARD GAVE WRITTEN PERMISSION FOR MY CARD TO BE USED. I AM THE ONLY ONE AUTHORIZED TO USE MY CARD. THE VENDOR HAS NOT PROVIDED A CONTRACT OR AGREEMENT SIGNED MY ME. THE VENDOR HAS NOT PROVIDED ANY PROOF I MADE THE PURCHASES. THE VENDOR HAS PUT CHARGES ON MY CREDIT CARD THAT ARE ERRONEOUS. Capital One has threatened me with fees and interest if I did not pay the charges on time. Capital One refused to put many of the charges in dispute which should require the vendor to prove they are legitimate. NOT ONE CHARGE ON MY CREDIT CARD BY XXXX XXXX XXXX XXXX XXXX HAS BEEN SHOWN TO BE LEGITIMATE. FRAUD IS ILLEGAL. CAPITAL ONE IS SUBORNING FRAUD, EXTORTION, PRICE GOUGING, ETC. BY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CHARGED ME AN ADDITIONAL FEE OF {$550.00} TO USE BLANKETS DURING THE MOVE THAT ARE SUPPOSED TO BE INCLUDED IN THE PRICE. XXXX XXXX XXXX XXXX XXXX STOLE 4 OF MY PACKING BLANKETS AND NEVER GAVE ME ONE CENT FOR THEM.

CAPITAL ONE HAS NEVER ADDRESSED ANY OF THESE ISSUES IN MY COMPLAINTS. WHY? WHEN IS CAPITAL ONE GOING TO ADDRESS THE ISSUES IN MY COMPLAINTS?
Product: Checking or savings account

Dear Sir/Madam, With all due respect, I wish to express my dissatisfaction regarding the situation involving my account. According to your statements, you hold records that supposedly justify your actions. However, the events did not occur as you describe. My account was closed without any preventive notification, and I was informed that my funds had been transferred to the state, claiming they no longer belonged to me. I understand that you record phone conversations for quality assurance purposes. In those calls, I clearly explained that my XXXX XXXX had expired, which prevented me from visiting a branch in person. The reasonable course of action at that time would have been for you to issue and mail a check to my registered address. However, this check never arrived at my address at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. For the past XXXX years, I have received neither a clear explanation nor a satisfactory resolution, and it was only a few weeks ago that I managed to obtain a partial response. This situation has caused considerable harm, both personally and professionally, affecting my mental health and causing me XXXX  due to the issues arising from the withholding of my funds. Furthermore, each time I contacted your support team, the representatives were unaware of my accounts situation, resulting in a frustrating and exhausting experience. It is unacceptable that, after XXXX years, there has been no adequate response. Through this letter, I urgently request a definitive solution. Otherwise, I will be compelled to pursue legal action under applicable consumer protection laws, which safeguard against the unlawful withholding of funds and ensure the right to receive clear and timely responses. Finally, I request that my case be assigned to a representative who can handle it directly and personally, as the experience of speaking with different representatives has proven to be extremely complicated and inefficient. I await your prompt response. Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Open XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out a police report and also an FTC report for my credit profile. Someone stole my wallets and was able to obtain credit cards, and also bank accounts in my name. Everything has been compromised Ive noticed on credit profile for fraudulent accounts that are reporting. I need to take them off. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upgrade
Product: Mortgage

I went though a divorce several years ago, my husband Quit claim deeded the martial residence to me. I 've forwarded financials and request for modification to the mortgage servicer serval times. My credit has been pulled numerous time as well, I still reside in the property. Select Port Folio has assigned my file to several relationship managers, no one with the mortgage company has completed the request for mortgage modification. I feel I 'm being given the run around. I was also recently informed I needed to attend a Hud homebuyer class. I 've owned several homes and I feel I 'm being harassed and decimated against. I want the mortgage company to please complete the modification request There is a pending property foreclosure sale date set for XX/XX/2017. 
Please HELP.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX. Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Payday loan, title loan, or personal loan

I have paid off my loan and have not received my title or release of the lean Document. I started with XXXX XXXX and they were purchased by Ameris bank. My experience is calling a phone system with dozens of options none fit. When I do finally get to the correct department it seems to be a race to get me off the phone asap. When I tried to pay of the loan they didn't explain process what so ever. I mailed in a check as no digital options or branches in my state. I waited and after a month or so I called. After extreme difficulty getting any information, they mailed it to the wrong address. I attached in the pay off my correct address. I was auto pay and did not access my account online. I have received correspondence at my address of 30+ months from Ameris bank on multiple occasions. I contacted a manager and he stated that he would send it and over a week later I still have not received it. I am getting nowhere and no one seems to resolve problems when the automated computer can't do it for them. I feel like my efforts at this point are futile. Please help me I just want the title I have paid for.