23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Last week I spoke with XXXX an Executive Office Case Specialist with Wells Fargo Home Mortgage in regards to receiving a Modification. She informed me that " I should remain in Bankruptcy and Wells Fargo as I said will not offer me a Modification or restructure payments '' despite the fact that I have provided evidence of wrong doing on their behalf. As a result, I have contacted three Law Firms at the request of CFPB ( Thank you ) in regards to attaching our Case to their Class Action Law Suits. Thus Far 1 specific Law Firm has agreed. I am awaiting responses from the previous two Law Firms. I have contacted The Justice Department and I was informed that they can take legal action on my behalf once the Class Action Law suit is recognized. 
Once approved fully, I would like for the CFPB to assist me in Direct action against Wells Fargo Home Mortgage. They DO NOT WANT TO OFFER ME A MODIFICATION OR WORK OUT OPTION. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my consumer report and your company is displaying unauthorized and fraudulent credit inquiries. 

Company Inquiry Date Removal Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing because I did not give your company permission to display such information on my behalf to my credit report. If you have documents with my signature stating that I gave your company permission to display this information send to the address above for review. If not you are infringing on my right to privacy and thats a violation of FCRA 15 U.S.C 1681 ( 4 ) Further more did XXXX Validate this information with these companies prior to furnishing? If so provide me with a copies of any documentation with these accounts with my signature authorizing and inquiry. 

I demand these inquiries be Deleted immediately. 
I know you have up to 30 days to produce requested contracts, or delete these fraudulent items that is affecting my right to extend credit causing harm to my reputation. 

Enclosed is my state identification card and Social Security number for identification.
Product: Credit reporting or other personal consumer reports

In this case, I am contesting inaccuracies in my credit report, specifically related to personal information and unauthorized credit inquiries. Here 's what happened : Incorrect Personal Information : The credit report contains several inaccuracies, including incorrect names, addresses, and date of birth. These discrepancies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates that consumer reporting agencies correct any inaccurate or incomplete information upon notification of a dispute. 
I am disputing various entries, such as the incorrect name ( XXXX XXXX instead of XXXX XXXX XXXX ), the incorrect date of birth ( listed as XXXX, instead of my actual date of birth, XX/XX/XXXX ), and several incorrect addresses, including a previous address in XXXX XXXX XXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. These details do not match my current or accurate personal information. Under 15 U.S.C. 1681c, only accurate and verifiable personal data should be reported. 
Unauthorized Credit Inquiries : There are unauthorized credit inquiries on my report, specifically from XXXX XXXX on XX/XX/XXXX, which I did not authorize. According to 15 U.S.C. 1681b, credit inquiries can only be made for permissible purposes, and I do not recall authorizing these inquiries. 
As these inquiries lack proper authorization, I am requesting that they be removed from my credit report unless the entities involved can provide documented proof of my consent. This proof would need to include evidence of a signed application or any documentation showing that I authorized the inquiries. 
Request for Compliance and Documentation : I am exercising my rights under the FCRA and the XXXX XXXX reporting standards, which require that all credit data be accurate, complete, and verifiable. I am formally requesting that the credit reporting agency provide physical documentation of the evidence that supports the presence of the disputed accounts or inquiries. 
If such documentation can not be provided within the XXXX period mandated by the FCRA ( 15 U.S.C. 1681i ), I am entitled to have these items removed from my credit report. Furthermore, I am requesting an updated credit report reflecting these corrections. 
Legal Obligations and Non-Compliance : The credit reporting agency is legally obligated to handle my dispute in compliance with the FCRA. If they fail to rectify these inaccuracies, I will consider taking legal action for non-compliance. As stated in 15 U.S. Code 1681i ( a ), the agency has a XXXX window to resolve disputes and provide a written response. 
In summary, my credit report contains incorrect personal information and unauthorized inquiries that should not be reported. I have requested that these inaccuracies be corrected and that any unverified or unauthorized entries be removed. If these issues are not addressed promptly, I will pursue legal action to ensure my consumer rights are upheld under the FCRA.
Product: Debt collection

I have asked XXXX for an invoice several times now and the company says they can not provide one to me. The debit is from 2013 I do not remember having an account with XXXX during that time. I know during that time someone stole my identity and I did place and social security alert and froze my accounts and changed bank accounts. Perhaps this was the left over result of that, I do not know if I do owe then I need to know why I owe {$280.00}, if I for some reason I do owe.
Product: Debt collection

Collection Consultants is reporting a medical bill on my credit. I discovered it when I applied for a mortgage. I have never been contacted by Collection Consultants. They have NEVER made any attempt to validate this debt. They are not allowed to report on the bureaus until they have validated the debt per Fair Debt Collection Practices Act ( federal and state ). I had XXXX at the time and medical bills are 100 % covered. I confirmed this with the original medical provider. The original medical provider informed me there is no bill, that they just needed to correctly bill XXXX. I had coverage and I would have informed Collection Consultants that there was no bill but again. There was no effort to validate this bill. ANY medical bill from that time is disputed as I had 100 % coverage. I believe it also fell under the protection of my bankruptcy as the date of service is not XX/XX/2014. I believe that Collection Consultants is attempting to collect on a discharged debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding what I believe to be a violation of my consumer rights in relation to the reporting of accounts by the three major credit bureaus : Equifax, XXXX, and XXXX. These accounts are negatively impacting my ability to secure a mortgage, and I demand immediate action to resolve this issue. 

I recently applied for a home mortgage, and I was informed that certain accounts being reported on my credit report are hindering the approval process. The accounts in question are identified by the following numbers : XXXX XXXX While I understand that Equifax, XXXX, and XXXX are responsible for compiling and reporting credit information, I believe these accounts have been reported incorrectly or unfairly. Given the critical nature of my mortgage application, I am requesting that these accounts be removed from my credit report within four ( 4 ) business days. 

I am exercising my consumer rights and seeking immediate redress, as the continued reporting of these accounts is obstructing my financial opportunities and violating my rights under the Fair Credit Reporting Act ( FCRA ). 

I appreciate your attention to this matter and trust that the necessary steps will be taken promptly. Please confirm receipt of this letter and provide an update on the actions being taken.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Amount is for {$260.00}. which I do not owe. /the representative has asked me to dispute debt directly.
Product: Credit reporting or other personal consumer reports

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, IXXXX ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX  I was informed  that lj Ross and  associates had a collection in my name for {$11000.00} and when I call to inform them the the information that they had was wrong they told me it was not there job to fix the information and to dispute it but if I dispute the information then I would lose the loan for a house that I am trying to get.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I emailed XXXX, as outlined in XXXX terms and conditions and stated that I am revoking authorization for them to use/charge my bank account and use of my personal information. I allowed 2 business days before the date of the scheduled transactions, also outlined in their terms and conditions. I received an email back from them XX/XX/XXXX, which suggested I can pay on a different date or schedule. I previously stated to them that I am experiencing a financial hardship, and understand the debt is my responsibility, but do not wish to speak about that matter at this very moment. The time of their email lead me to believe that they were saying they are not going to comply, and continue to charge my account, so I asked. I recieved an email back on XX/XX/XXXX stating that they do, in fact, plan on continuing to charge my account! I informed them that I have revoked my authorization, and it is illegal for them to charge me at this point ... .I 'm still waiting for a response. Because they have shown this far that they do not plan to comply, I had to pay my bank for a " stop payment '', so they cant take my funds.
Product: Debt collection

As I have stated, I have no knowledge of the account and do not claim ownership of the debt in question, in spite of the documents the company has enclosed. In response to my initial letter to the company disputing the validity of the account, I received a notice threatening to sue me for a balance I do not owe on an account that does not belong to me. 

I have a fraud alert on my credit report, which has been in place since 2017. Since then, unfortunately, my name, address, SSN, and other identifying information have been compromised numerous times. 

Again, I have no knowledge of this account. During my initial dispute with the credit bureaus, this item was removed from my credit report as the account. Months later, it repopulated and I was never given any information regarding why it was being reported again. I have filed another dispute with all three major credit bureaus, as per the Fair Debt Collection Practices Act : 809. Validation of Debts and Fair Credit Reporting Act : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. As such, again, I am requesting that this account be deleted from my credit report immediately as the account is not mine and due to non-compliance.
Product: Checking or savings account

In 2017, a government-backed debt security was used to give rise to a beneficial interest for SYNCHRONY FINANCIAL once credit was acquired by the trust estate in the amount of {$2500.00}, without deliberation with the trustee of said estate. This demeanor advertised by SYNCHRONY FINANCIAL has confirmed deceptive sales practices, in concurrence with indications of illegal insider trading. The institution in dialogue is beneficially inherited by other corporations that have no explicit relation to the trust estate. 

Through the exclusion of material facts, SYNCHRONY FINANCIAL has undervalued the equitable interests of the trust estate, causing damages. Their exclusion of material facts has caused them to devise a scheme to defraud, using the United States Post Office for the purpose of executing a scheme on a government-backed security.
Product: Credit reporting or other personal consumer reports

this account was paid in full, needs to be corrected and removed
Product: Debt collection

My sole income is Social Security XXXX and XXXX XXXX XXXX. XXXX & XXXX started sending me collection letters on XXXX XXXX regarding a credit card from Bank of America. I sent immediatedly a cease-and-desist email indicating that my sole income were federal XXXX benefits, which are exempted from garnishment by federal law. 

That was not enough for XXXX XXXX XXXX, and they sued me in state court on XX/XX/2023 without serving me the papers. Fortunately, I got to know about the lawsuit on time by checking the courts online database and responded to the court. 

XXXX & XXXX knew that my case was an automatic dismissal, but they continued with their harassing letters threatening me with future legal action if my financial situation improved even if they could not collect currently. 

I filed for bankruptcy on XX/XX/2023, which orders an automatic stay while the case is resolved, and submitted the corresponding evidence to the state court. 

XXXX & XXXX wrote a collection letter on the same date of my bankruptcy filing and another the following day after the bankruptcy court notified all my creditors of my filing. 

XXXX months later, XXXX & XXXX had no option but to petition the state court to dismiss their lawsuit, and I received my discharge XXXX month later. 

This complaint is about three violations : ( 1 ) attempting to collect a debt from exempted income even after the debtor notified XXXX XXXX XXXX in writing ; ( XXXX ) inflicting emotional distress by threatening a XXXX debtor with future reviews of the case, including legal actions ; and ( XXXX ) sending repeated collection letters, XXXX day after the other, with the sole purpose of intimidating the debtor in violation of the automatic stay from the bankruptcy filing.
Product: Credit card

I've attempted to apply through credit karma several times responding to card offers that say my approval odd are almost 100 %, one offer showed guaruntee approval and still I was denied and it hurt my score with the credit company. I was aiming to start my own business when I worked up to it and this is extremely difficult because it's affecting my ability to market and provide for myself and family. 

This is something I have researched and found to be called dark patterns and it is illegal and harmful to consumers like myself who are just trying to make a better life for myself.
Product: Money transfer, virtual currency, or money service

I held a small 401k account sponsored by the company. I was laid off in XX/XX/2016 and volunteered to transfer the account to an existing account. Their response was a {$200.00} fee on a {$400.00} balance Clearly I considered this to be extremely abusive and let the account stand. On XX/XX/XXXX the employer chose to terminate the account without my permission. I would have no issue but they took a XXXX % fee ( XXXX ) to simply process a check Not sure who made the profit. I assume this practice has been impacted by this practice. The company does have a history with the CFPB who found they were abusing consmers
Product: Credit reporting or other personal consumer reports

XXXX XXXX sent me a letter on XX/XX/2023 stating tha I pllied for credit and tha is inaccurate I never applied for XXXX Bank XXXX, I have XXXX credit card though XXXX not a 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 # 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 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX, 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. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : 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
Product: Consumer Loan

I do not think my loan company is properly applying my payments. I have asked multiple customer service reps for a history of my past payments and a breakdown of how my payments have been applied. I am repeatedly told that they have to mail out that information but I have yet to receive it. I think that my total and past due balance is lower than I am being told. They want me to make full monthly payments every 2 weeks and my balance does not seem to move.
Product: Checking or savings account

I purchased a XXXX product on their website for {$350.00} and returned their product to them on XX/XX/XXXX. It is now XX/XX/XXXX, and I have yet to receive a refund for my return, despite XXXX having received my item over a month ago, and despite XXXX having assured me that I would be receiving my refund no later than 14 business days from the date of receipt ( XX/XX/XXXXXXXX   ). I have contacted XXXX multiple times about this issue, and they have provided false timelines about when I will be receiving my refund. I filed a dispute with Cash App, since it seems that XXXX is unwilling to return my money to me. However, Cash App denied my dispute, despite me providing clear documentation showing that I am owed a refund from XXXX of {$350.00}. I have provided this exact documentation in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.

I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

Enclosures : a. Identity Theft Report b. List of Fraudulent Accounts on my Report c. FCRA Sections 605,609,6011 d. Proof of Identity To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent accounts opened without my consent.

I did not open these accounts, nor did I give anyone authorization to do so. I am requesting that the accounts are removed and blocked.

I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The attached information therefore needs to be investigated.

I respectfully request to be provided with proof of these alleged items, specifically the contract, note or other instrument bearing my wet signature.
Product: Student loan

I was attending  XXXX  University and I had to drop out out of school due to my mother having  XXXX . Because I dropped out  XXXX  University sent me to a loan collection agency which I did n't understand because it usually just goes to my Federal Loan account with all the other loans I 've taken out. I made a few  XXXX  dollars payments to  XXXX  but I 'm assuming that was not enough because they sent me to collections wi th Todd Bremer and Lawson, INC.  When they contacted me about setting up payments in  XXXX  of  2015  I agreed for them to take out  XXXX  dollars each month. It is an automatic draft so I have been paying every month since. However when I questioned them about the  XXXX  hundred dollar fee they where charging me they just told me it was because of late fees. I let it go but now I 'm starting to wonder if those fees are even legal.  XXXX  hundred dollars is a lot for a loan that I thought was under Federal school loan and not a loan from the school. The school sent me only one notice before they sent me to collections and even then I sent them a few payments.