23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX the check we wrote that paid the fee to file to apply for a Partial Release of Acreage, cleared our bank. With no contact from BOKF. We called BOKF. A laughing girl told us in 24 hours someone would call us back. First call on XX/XX/XXXX second call on XX/XX/XXXX. We were told the lady should have said three business days. On XX/XX/XXXX the BOKF office XXXX XXXX called claiming she had been sick. On both XX/XX/XXXX and XX/XX/XXXX we asked for the laughing ladys boss to call us she did not. XXXX told us we would need a survey. We got her one back to her the following week. But until we called her no response. After the call she told us she was going to start the paperwork for an appraiser and there is no time requirements, but the most she had seen them take was six weeks. On the sixth week she told us she canceled the first appraiser on put in a request for another. The second came out on XX/XX/XXXX. She said the appraiser got the paperwork to her on XX/XX/XXXX or XX/XX/XXXX her story changed. Everything is okay for the release, but I can not get a copy of any if the paperwork because it might get list in the mail. I called to see if they have received anything at the county planning office they said tell her to email all the banks are email. She will not.
Product: Credit card or prepaid card

Capitalone credit card # XXXX access denied via internet. Required a new password and verification ask for the phone in US that I do not have. Presently due to the corona virus I am in XXXX and the country That does not allow any travel. Anyway my presence in US would not Make not a difference since I am using phone of my daughter when in US.
Product: Checking or savings account

In mid XX/XX/XXXX a check was unexpectedly bounced. Upon logging in to online banking it was discovered that 11 forged checks amounting to {$4700.00} were cashed each of which had a forged signature. We promptly notified the bank and visited the local branch in XXXX XXXX California. The staff provided us with 11 packets to claim the fraudulent activity and additionally instructed us to return the documents along with a police report and a notary stamp on each packet ( one for each forged check ). The banks notary informed us that my drivers license was expired and I would need to obtain a new copy before notarization woyld be feasible. Over the course of the next few months I was able to get the documents notarized and returned to the branch on XX/XX/XXXX. During the course of this time we continued to stay in contact with bank staff who regularly and casually mentioned to bring the document in at our convenience, however upon submitting, the branch manager informed that the docs were now past the '90 day due date ' and would likely be declined. About a week later they further informed that it was not 90 days but rather 60 days window for submitting and that we should have been aware since this is mentioned in their sign-up package. Furthermore they explained that the bank where the the thief cashed the checks would need to refund them ( Bank of the West ) the stolen money and placed responsibility on the paying institution. The sum of XXXX XXXX dollars is a significant amount of money for a family. Bank of the West treated this event ( the theft and their failure to block forged checks ) as a minor blip in day-to-day protocol. They take zero responsibility for thebfailure of their services and show disregard for the fact that a criminal has compromised the system. They demonstrate a complete lack of urgency or regard for the protection of consumer 's hard earned money and have put a family in a situation where mortgage can not be paid. In the opinion of this customer I wonder what the purpose idea check is considering how easy it is to forge a signature and cash nearly XXXX XXXX dollars. The bank should have made it abundantly clear that a deadline was approaching and coached us through the process of refunding our money that they paid out to a criminal. Their actions indicate that theft is easy and will only contribute to increased theft of checkbook and forgeries. The bank is insured and has multiple means of recompensation - the consumer is left to perform their legwork, incurr the costs of notarization etc meanwhile they continue to operate at the lowest possible standards. We need our money refunded without hesitation and ask only for our money at this point - we are willing to put aside the mental anguish this has caused and would like to suggest that Bank of the West promptly rectify this situation.
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 XXXX XXXX XXXX. 
Account name 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  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 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 ) ( 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: Credit reporting, credit repair services, or other personal consumer reports

sent XXXX the ftc complaint wells fargo still showing on my credit file XXXX  and XXXX  have remove it
Product: Mortgage

Wells Fargo did not calculate the appropriate amount of tax and insurance, and as a result, my escrow balance was - {$1100.00} ( negative ). They have since sold the loan to XXXX XXXX who immediately identified the problem and have increased my monthly payment over 33 %!! This has caused financial and mental hardship for me and my family.
Product: Mortgage

Hello CFPD, My original loan in XXXX was with XXXX not XXXX. 

Mr. Cooper has XXXX many times on their documents. 
This is a Huge error on Mr. Coopers part for an Enormous Mortgage Loan on my Home! 

They have had the incorrect name ( XXXX ) on several pages of their documents!! 

I have been trying since XXXX to get a modification, from day one it was with XXXX  XXXX XXXX after they took over the loan from XXXX. Then Nationstar took over my loan from XXXX  XXXX XXXX. 

I have been on my property for 42 years! 
I still have children at home that are in school! This is their home our home of many years! 

I was under Extreme Total Duress to sign the Modification from Nationstar in XXXX, that the clock was ticking and I was informed to sign or the deal was off the table! 

I totally feel I was setup to fail! Mr. Cooper knows my financial status! 

I feel Mr. Cooper is trying to cover up a Bad loan I signed in XXXX with XXXX. 
Mr. Cooper is stating that it was with XXXX! 

I have documents attached to prove it was with XXXX. 

Mr. Cooper is referring to an ARM loan, which there was a class action suit against the ARM loan I was given in XXXX by XXXX. 

Again I have been on my property for 42 years! 

Thank you for all you help! 
Sincerely XXXX XXXX
Product: Debt collection

XX/XX/XXXX a threat of a lawsuit to take my wages was sent to my employer. This debt is over 10 years old and from a divorce. 

XX/XX/XXXX {$470.00} cents was taken from my bank account that was being processed for child support payments. 

I was fined from the bank and child support services an additional {$300.00}.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft as a result of a recent data breach. 
Due to this incident, several fraudulent accounts have been opened in my name without my authorization. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent accounts from my credit report : Fraudulent Accounts : XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$970.00}
Product: Credit reporting or other personal consumer reports

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

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

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

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

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


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

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

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

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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In reference to XXXX ID : XXXX. 

I in fact am not responsible for the charge below : Date : XX/XX/2022 Amount : {$600.00} Description : XXXX XXXX XXXX XXXX XXXX The merchant stated that I submitted payment using IP XXXX per Exhibit A. 

However, I did leave my pouch/wallet which contained both my cell phone device and wallet at a park while exercising earlier that same day on XXXX XXXX. I was able to retrieve my phone approximately 45 minutes later from one of the park workers. This transaction takes place the very same day. My phone and debit card were compromised. 

Per Exhibit C shows my actual IP address which does not match the one provided in the merchants response. 

XXXX XXXX states I have one transaction with recipient XXXX XXXX. When looking at my transactions for XXXX XXXX historically I have a repeated history with a select few XXXX XXXX recipients with transactions {$200.00} or below. This {$600.00} transaction with a recipient I have no clue who this is, is not my normal transactional pattern. Nor am I able to contact the recipient as XXXX XXXX stated in Exhibit A because this recipient is not a peer and I have been unsuccessful with getting any response. XXXX XXXX needs to do their due diligence and hold the recipient XXXX XXXX responsible and stop dispute with myself and my bank. 


Exhibit D shows that I provided the information requested from Citi Bank to which I responded : Neither I, nor anyone authorized by me, made this charge or received any benefit. 

Hence, as the card holder I have provided all requested information from CitiBank and have fully cooperated in this matter.
Product: Debt collection

This Collection agency XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX, started to contact me by phone to harass me about a debt and also just followed up with a letter. 
They have not yet validated the debt. 
I did request via, email, fax and regular mail that they validated the debt they claim I owe before they continue to harass. 

I'm also concern that since they use unethical practices they will attempt to report this unvalidated debt to the credit reporting agencies. 

I want them to cease any debt collection until they can validate the debt and allow me to review all the documents that they will provide.
Product: Credit reporting or other personal consumer reports

My car contract is with XXXX XXXX XX/XX/XXXX. I have paid my car payments every month. 
XXXX XXXX continuously since XX/XX/XXXX fails miserably and refuses to post my monthly car payments on all credit bureaus and correct balance. 
XXXX XXXX continuously posts false information about my account to all XXXX credit bureaus to lower my score. 
XXXX XXXXXXXX continuously posts false information and changes name to XXXX XXXX XXXX, old name in XXXX on XXXX. 
XXXX XXXXXXXX is overcharging me monthly interest and I want a recalculation. 
XXXX XXXXXXXX is not increasing my credit score but DESTROYING my credit score with FRAUDULENT business practices. 
XXXX XXXXXXXX has violated FCRA, 5 USCode 706, and ARS 44-1521 et seq., AZ Consumer Fraud Act.
Product: Credit reporting or other personal consumer reports

Heres a dispute letter tailored to this account : Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account contains multiple errors and inconsistencies, which violate several sections of federal law. 

Account Details : Creditor Name : Kinum Inc ( Original Creditor : XXXX XXXX XXXX ) Account Type : Collection Account Number : XXXX Balance Reported : {$1200.00} Status : Collection/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide verification of the debt upon request. No proper verification of this account has been provided, yet it continues to be reported derogatorily.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : After disputing this account, its derogatory status remains on my credit report. Reporting or updating the account without resolving the dispute violates federal law.

3. Inconsistent and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) mandates maximum accuracy in reporting. 
The account is reported as a Collection/Charge-Off with no evidence of the collection process or a payment history.

The balance and status remain unverified, and no supporting documentation has been provided to justify the reporting.

4. Failure to Issue a Form 1099-C for Charged-Off Debt : Under IRS regulations, a Form 1099-C must be issued when {$600.00} or more of debt is canceled or forgiven.

No Form 1099-C has been provided for this account, indicating non-compliance with IRS reporting requirements. 
5. Recent CFPB Lawsuit Against XXXX : The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, highlighting its failure to properly investigate disputes and validate debts. 
This raises significant concerns regarding the accuracy and validity of XXXX reporting in this case. 


I expect a response to this dispute within 30 days, as required by 15 U.S. Code 1681i ( a ) ( 1 ). 

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

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge nor items. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX, AR XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, AR XXXX XX/XX/2022 ; XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX Balance : {$740.00} ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) 20349****Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance : {$750.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00}.
Product: Credit reporting or other personal consumer reports

I have already sent a letter to the TransUnion bureau requesting the removal of the inquiries reporting on my credit file but the inquiries listed below are still reporting on my credit report and is violating Federal Law. TransUnion Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and continues to report unconfirmed information. They should remove these inquiries completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Letters were delivered certified mail to Santander Consumer USA XX/XX/2021 and I have confirmation it was received. Santander Consumer USA has failed to validate the debt as well as cease any and all illegal activity. I've yet to receive a response and Santander Consumer USA is still reporting on my consumer report which is in fact ruining my reputation. I have not given consent to, authorized nor benefit from this account. As a consumer I have a right to privacy.
Product: Debt collection

They call repeatably/ constantly throughout the day and NEVER leave a message nor indicate who they are answered. It has been nonstop for a few months.They call at work and on my cell phone. They have been instructed to only call at home repeatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete and correct the following information in my file.The items I need deleted are listed in the report. This isn't the first time I reached out pertaining to these fraudulent accounts. I have been a victim of identity theft and did not make the charge or benefit from these fraudulent accounts at all. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Based on, 15 U.S. Code $ 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, no later than 4 business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

American Credit acceptance, account charged off on XX/XX/XXXX. XXXX XXXXXXXX, charged off, currently under dispute XX/XX/XXXXXXXX XXXX XXXX XXXX, account XXXX. 
Credit acceptance, repossessed, XX/XX/XXXX, under dispute and past due as of XX/XX/XXXX, never mine. XXXX of XXXX XX/XX/XXXX, resold to another company during COVID pandemic, under dispute due qualification of loan forgiveness, deferred and reported as past due as of XX/XX/XXXX. XXXX XXXX XXXX, collection opened XX/XX/XXXX, account in collection as XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, account charged off. XXXX XXXX XXXX, XX/XX/XXXX, account not mine, in collections with balance of {$1600.00} as of XX/XX/XXXX. resurgent XXXX XXXX XXXXXX/XX/XXXX, account in collections {$460.00}, does not belong to me. there are also two XXXX XXXX evictions listed on my public record due to being a XXXX XXXX  during global pandemic. attached is FTC report