23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for credit card in Wells Fargo recently and they approved my credit card and then closed all my accounts due to fictitious claims and fraud they filed against me without any due process. When i found out that i can used the card i then applied for balance transfer for the amount of XXXX dollars under XXXX card. It 's almost been 2 weeks since i did it and no response was made so i applied for a new card to take advantage of the offer of zero APR for 15 mos. I called Wells Fargo to follow up so that i can just consolidate my debt in one and they did approved the balance transfer after the conversation on the phone and then after that i was issued a letter informing me about the closure. They are very tricky since i had a feeling that my balance transfer will either be denied if i did n't have any card at all and so even if i still have doubts i continued the process. And what a co-incidence when my accounts was closed on XXXX XXXX, 2015 then the letter came in dated XXXX XXXX, 2015 closing the credit card while when i called earlier for follow up i was n't informed about the closure. So to make it short i applied for balance transfer again to another account to avoid any inconvenience and surprises under the company and i am waiving the balance transfer fee since i was charged XXXX dollars for savings account without issuing any checks at all and if somebody issued me a check or remittance they are the XXXX liable for any draft fee. I feel humiliated for their harsh treatment and being ignored in spite of my plea to prevent my account from closing too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, will not allow me to dispute my XXXX XXXX, Equifax customer service rep, XXXX made up security identification questions to verify my id, I already verify my identification once but was required additional information not disclosed in my credit report. Equifax has violated the Fair Credit reporting act by reporting false information and not allowing me to dispute my credit file.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX IncorrectPersonal XXXX XXXX XXXX XXXX XXXX IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX - IncorrectPersonal
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo bank On XX/XX/year> I used XXXX XXXX to send {$200.00} to a family member. On XXXX it said not delivered my family member did not receive the money but the XXXX was still taken out of my account. I had pull out another XXXX in cash to pay my family afterwards. 
I have sent money to them previously without issues before. 
I filed a claim and they denied it and closed the case. 
Before I filed a claim to wells Fargo I have contacted XXXX support and they would not help me and said to contact my bank. 
Wells Fargo would not pay me back and just closed the case and told me to contact XXXX.
Product: Mortgage

On or about XXXX XXXX, 2001, Wells Fargo on behalf of XXXX Mortgage, filed a defective reconveyance when a loan was paid. The defective reconveyance referenced the incorrect county document number and therefore an outstanding mortgage still shows in the chain of title. All appropriate materials, including the county documents and original loan documents were sent to Wells Fargo Home Mortgage via certified mail. There is no phone number or way to speak to anyone at the written correspondence department. A month has passed with no contact from Wells Fargo. The carrying costs are substantial. A contract for sale has fallen out of escrow because of the silence when presented with their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried and tried with all three reporting credit agencies to remove the credit report of the information of XXXX XXXX  since finding out that it is past seven years which is allotted to all things reporting on credit report and this account is still opened and not deleted from credit report and negatively making my credit score not be reported as accurate and it is a collection right off which means it is income being reported on my report and according to fcra that is illegal and should have been removed long time ago and I never gave permission for it to be reported. I have tried to get this removed and deleted from all credit reporting and they have yet to remove and came to you before on this matter and they still have not done anything about getting it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my credit report and accounts i have in good standing that are paid to XXXX balance show late and delinquent status on my credit reports. I have provided receipts in the documents. The accounts listed below need updated to report accurate information the bureaus are required to report accurate information these need updated XXXX XXXX XXXX  XXXX XXXX XXXX 2 ACCOUNTS SST PLEASE UPDATE THE BALANCES WITHIN 30 DAYS.
Product: Credit reporting or other personal consumer reports

Im reaching out for your help regarding an incorrect account thats been reported on my credit report. This error has harmed my reputation, and I need your assistance to fix it. The way my credit report has been handled has put me in a challenging situation, and the inaccurate information has severely damaged my reputation. Please correct these issues so I can maintain a stable life with my family.
Product: Credit card or prepaid card

I have evidence that JP Morgan Chase Bank ( " Creditor '' ) received payment-in-full from XXXX XXXX XXXX ( `` Principal '' ) in the form of a promissory note which is the credit agreement ( " Contract '' ) signed by the Principal, a negotiable instrument according to UCC 3-104 and can be accepted as a deposit to the Creditors bank account in exchange for credits according to 12 USC 1813 ( l ). Also, since the Contract included a promise to pay the Finance Charge, the Creditor has also already received the Finance Charge in full in the form of credits exchanged for the promissory note. This is only possible because the promissory note is evidence of debt and is secured by direct obligations of the United States according to 12 USC 347c. The Creditor used the promissory note to receive credits from the US Treasury in the same way banks receive a US dollar bill, which is also evidence of debt, in exchange for credits to a bank account.

Although the Creditor has already received payment-in-full from the Principal through the promissory note, the Creditor willfully and knowingly created false and misleading statements mailed to the Principal in order to receive additional payments from the Principal. 15 USC 1605 clearly states the Finance Charge is the sum of all charges in connection with a consumer credit transaction. Since the Creditor created charges in addition to the Finance Charge they already received, this is a violation of 15 USC 1605 and the Creditor is subject to civil liability pursuant to 15 USC 1640 and criminal liability pursuant to 15 USC 1611.

In regard to the balance shown in the enclosed Statement, it is presented to the Principal as a remaining amount owed by the Principal to the Creditor. The principal balance is actually a credit balance owed by the Creditor to the Principal. This is evident from the Creditor having to adhere to the Generally Accepted Accounting Principles ( GAAP ) pursuant to 12 USC 1831n ( a ) ( 2 ) ( A ) since they received the promissory note as an asset on their books. To legally offset the asset ( promissory note ) received from the Principal, the Creditor securitized the promissory note by creating a liability owed to the Principal in the form of a debt instrument/bond. Therefore, the principal balance belongs to the Principal. According to 15 USC 1666d, the Creditor should have credited the credit balance to the Principals account, refunded to the Principal upon the Principals request and made a good faith effort to refund the remaining credit balance to the Principal by cash, check, or money order. Since the Creditor did not act according to 15 USC 1666d, they instead fraudulently attempted to receive additional payments from the Principal. As a result, the economic effect of the Creditors actions is similar to counterfeiting, swindling and stealing from the Principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine 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 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 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 XXXX0}
Product: Credit reporting or other personal consumer reports

In XXXX I wanted to purchase a home with someone else and when my credit report was pulled I had a loan from XXXX student loan. I never applied for any student loans from XXXX. I disputed the loan and XXXX was unable to provided the original documents to me. This was removed off my credit for 4 years and it said the account was closed. 

Then in XXXX I went to purchase my home and the same XXXX student loan was back on my credit record, again I disputed this student loan and again the report was removed as a closed account. 

I'm very concern that this XXXX loan keeps being removed off credit report and then reappearing after every 4 years. I was in the process of purchasing an automobile this past week and my credit score was almost perfect, but when the car dealership when to pull my credit the XXXX student loan was on my credit report again. 

This is very frustrating to say the least. XXXX has removed this off my credit report in XXXX, XXXX and know I'm requesting this to be removed off my credit report again in XXXX due to the lack of this loan not being mine. 

Please let me know what I can do to get this removed off my credit report again and removed permanently?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Debt collection

XX/XX/year> Call from XXXX " This is Credit Management. Is This XXXX XXXX birthday XXXX XXXX. I did not confirm or deny this statement. When I asked what this was about the gentleman stated he needs my birthday and other personal information. 

XX/XX/year> Call from XXXX " This is Credit Management. Is this XXXX XXXX birthday XXXX. Same thing. I challenged her by stating, if you truly have business with me, you can mail me. She replied " no, I need your personal information first ''. 

I hung up. 

Please note : I have NO outstanding debts however am a victim of the countless breaches from XXXX XXXX XXXX to others. 

They will not provide me their address so that I can send a Cease & Desists Order. The numbers do not trace back to a company. Please help me. Thank you.
Product: Debt collection

I have been monitoring my credit for awhile now and today noticed a collection account placed on my XXXX report and as of today this is the one report this fraudulent account is on at this time. I do not have online access to my XXXX XXXX report online so I can not verify if this fraudulent account is on this report or not. Please investigate immediately and remove from my credit report immediately. I do not know of this debt, what it is in relation to nor do I now who this company is but I do know that I have not done business with them. This account is fraud and it is damaging my credit. I need it removed immediately. I tried reaching out to the company but they are unwilling to assist in this matter. I will also be filing a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent account with inaccurate information that has been flagged as fraudulent with : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We have lived in our house since we built it in XX/XX/XXXX. We have paid off a second mortgage in full, paid property taxes and homeowners insurance on time and in full with no escrow account. We have NEVER been late or missed a mortgage payment. Since OCWEN became our mortgage servicer, we have encountered nothing but problems. 

On or about XX/XX/XXXX I received a call from OCWEN stating that they were offering a service to mortgage holders in good standing who have owned their home for over 15 years. They were going to pay the taxes and insurance for calendar XXXX and apply those payments to the back of our mortgage. When I asked what the catch was, I was told there would be no catch, this was a company marketing effort to enhance good will with our customers. 

While I was HIGHLY suspicious, and should have know better based on my earlier problems with OCWEN, I agreed to the promotion. 

As I expected, OCWEN did not do as they promised. Our taxes were due on XX/XX/XXXX and were not paid. I called OCWEN and was told that tax payments were paid in bulk and there are times when the county doesn't apply the payments in a timely manner. I was told to " rest easy '' as the taxes had been paid. 

On XX/XX/XXXX I called the XXXX County Tax Office and was told that the taxes had not been paid. I again called OCWEN and was told that they had been processed. 

OCWEN finally paid the taxes on XX/XX/XXXX. Penalties and interest were assessed as the taxes were paid 145 days late. I again called OCWEN and was told that it was a clerical mistake at XXXX County and that the original payment had been returned. I called XXXX County and was told that the only payment associated with my property was received on XX/XX/XXXX. 

I've been fighting with OCWEN over this " good will '' marketing plan ever since. They stopped applying my mortgage payments to the loan and started applying them to the past due balance. They now say that I am in default and are attempting to foreclose. 

I am requesting any assistance you can provide.
Product: Mortgage

I have been working with Aimloan.com for ~2 years. I have reached out to them 7 documented times in the last 3 months in an effort to remove my PMI. I continue to get the run around. They ask me to fill out paperwork, which I do, but will not process my request to get a formal appraisal completed. They then told me to send them an email and told me what to put in said email. I do that and their reply in the email is to call the XXXX number that I've already called 7 times!
Product: Credit reporting or other personal consumer reports

An entry appeared on my credit report from Westlake Financial. I did not recognize that financial institution so I looked up there phone number and spoke with a representative. After questioning the representative about the transaction l, I found out it involved a car which was not the type of car I was trying to get. In addition the amount requested was NOT the amount of the XXXX XXXX XXXX I was trying buy. I filed a dispute with XXXX and received a response that was ambiguous and not very clear. The following questions need to be answered to provide transparency and clarity. The letter states the following ; This letter is in response to your request for validation of the permissible purpose used to allow Westlake to obtain a credit report for XXXX XXXX. After review, it was determined that the credit inquiry on XX/XX/XXXX was based on the permissible purpose allowed under 15 USC 1681b ( a ) ( 3 ) ( A ), and connection with a credit transaction involving the extension of credit to a consumer. Westlake obtained this report after receiving an indirect automobile financing application from XXXX XXXX at XXXX XXXX XXXX XXXX OH XXXX requesting that Westlake extend credit to this consumer. 

In regards to the letter l, I need the following questions answered so I can completely understand the meaning of this letter 1. ) HOW did Westlake get permission to obtain a credit report for XXXX XXXX ( Please not the All Capitalization of the name spelling, Its my understanding this is significant ) XXXX. ) Please state whether XXXX XXXX is the consumer. 

3. ) Please explain the nature of the Credit Transaction. 

13 ( a ) Who received the Credit Transaction 13 ( b ) How was it obtained. 
13 ( c ) Is XXXX XXXX. in possession of the CREDIT TRANSACTION 13 ( d ) Is the CONSUMER in possession of the CREDIT TRANSACTION 14. Please further explain an INDIRECT automobile financing application. 
What is it? 
14 ( a ) Does your company have in a DIRECT financing application.

If Yes, please explain how it works?

If No, Why Not?
Product: Credit card or prepaid card

In or around, I disputed an erroneous cancellation fee from XXXX XXXX in the amount of {$120.00} with Capital One. In fact, XXXX XXXX acknowledged that the charge was erroneous and sent me an email illustrating that they would credit my account ( see attached ). Capital One initially accepted my dispute and requested " confirmation showing no cancellation per policy was received. '' This request is clearly not coherent. Additionally, the merchant did not supply any documentation illustrating that I agreed to a cancellation policy with a {$120.00} cancellation fee. Although I provided Capital One with documentation illustrating my account should have been credited, they failed to investigate my dispute and credit my account accordingly. Unfortunately, this has been a pattern and practice with Capital One as they have failed to thoroughly investigate and resolve disputes.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account name : XXXX  XXXX Account number : XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To W hom It May Concern  : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and  may possibly be relatives address. Please see the attac hed copy of my personal mail and bills for your reference. For the record I have lived in the same residence for over 7 years.     My name is :  XXXX   XXXX   XXXX  Please remove all other name variations IMMEDIATELY. They are not accurate.     MY CURRE NT WORK INFORMATION IS :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   My current  phone number is : (  XXXX  )  XXXX  Also, my current and only address is :  XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  I HAVE RESIDED HERE FOR 7 YEARS (  XXXX  ) YEARS All other addresses are not accurate. Please remove THESES addresses IMMEDIATELY :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   O H  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 , O H  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 , O H  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 , O H  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 , O H  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 , O H  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 , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXXDate of inquiry XX/XX/2019