23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

A complaint was filed against Wells Fargo Bank # XXXX for the misapplications of my mortgage payments and for failing to apply the designated payments to my principal mortgage balance. Wells Fargo and XXXX XXXX  have put on two demands to collect {$76000.00}, to reinstate a loan where the borrower only owes no more than little over {$38000.00}. After writing and calling since XX/XX/XXXX, Wells Fargo essentially washed their hands of the loan and transfer the loan to XXXX XXXX and stated that they had no further dealings with the loan. XXXX XXXX has continued with the foreclosure sale dated for XX/XX/XXXX without any resolution to the original complaint, When a reinstatement was requested XXXX sent one out with the amount of {$38000.00}, XXXX XXXX Wells Fargo sent one out also demanding more money {$38000.00}, each institution has different wiring instruction for two different banks. 
This situation demonstrates no accountability and fraud on Wells Fargo part who seems to want to have it both ways. Wells Fargo written response clearly communicated that they were no longer the servicer and they had no intentions of rectifying the misapplied payments, yet they continue to use a questionable Trustee XXXX XXXX who the Secretary of State of California states they must use the word Arizona in their written communication which they refuse to do, now they are trying to collect more money than entitled to.
Product: Credit reporting or other personal consumer reports

Unknown Inquiries made on credit report XXXX XXXX made on XX/XX/scrub> XXXX XXXX
Product: Credit reporting or other personal consumer reports

Incorrect/inaccurate/ incomplete information on my report such as account status account type comments Date last reported payment history payments status date opened On multiple accounts, i have notified TRANSUNION, XXXX XXXX XXXX about this since XX/XX/2023. They claimed all information is accurate and verified i attached proof of inaccuracy on multiple sections and multiple accounts.
Product: Credit card

On XX/XX/XXXX around XXXX. I tried to log into my affirm app to check my payments. It said my account was frozen and had to call their customer service to confirm my identity. I did so and even spoke to their supervisor. They told me they were investigating and had no way to gain access to my account. I'm completely locked out of my account and have no way to make any payments for my purchases. I don't want this affecting my credit score. I'm upset that the app told me to confirm my identity by calling them and giving information to identify myself, but instead I'm told by the number given that they can't do anything. I'm lost and very anxious about my credit score.
Product: Credit reporting

I submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they XXXX ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not one of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted XXXX now its XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX XXXX, I RECEIVED A LETTER STATING THAT I WAS A VICTIM OF YOUR CREDIT BREECH. ( EQUIFAX, XXXX ) I HAVE BEEN DISPUTING ACCOUNTS OPENED IN MY NAME THAT IS FRAUDULENT AS WELL AS FRAUDULENT INQURIES. AS OF THIS DAY NONE OF THE ACCOUNTS HAVE BEEN REMOVED NOR THE INQUIRIES. ACCORDING TO THE FCRA ACT, 15 U.S.C.1681 SECTION 609A1 A YOU ARE REQURED BY LAW TO VERIFY - THROUGH THE PHYSICAL VERIFICTION OF THE ORIGINALSIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS YOU POST TO A CREDIT REPORT. I SENT A SIGNED AFFIDAVIT IN XX/XX/2019. INDICATING THAT THE FOLLOWING ACCOUNTS ARE NOT MINE. I HAVE SINCE WAITED ON THE SUPPORTING DOCUMENTS ( SIGNED CONTRACT ) BY ME. I AM ASKING AGAIN BEFORE I CONTACT THE FCRA TO PLEASE REMOVE ALL UNVERIFIED ACCOUNTS FROM ALL 3 CREDIT BUREAUS .IF NOT YOU ARE IN VIOLATION OF 15U.S.C.1681YOU ARE REQUIRED UNDER FEDERAL LAW TO HAVE A COPY OF THE ORIGINAL CREDITORSDOCUMENTATION ON FILE. THIS IS MY SECOND REQUEST TO REMOVE THESE UNVERFIED ACCOUNTS BEFORE I FILE A COMPLAINT WITH THE FCRA. OR PROVIDE ME PROOF WITH MY SIGNATURE AUTHORIZING THESE ACCOUTS ALL OF THESE ACCOUNTS WERE OPENED FRAUDULENT AND ONLINE. 

XXXX XXXX XXXX XXXX XXXX XXXX /XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Product: Debt collection

The company who is calling me on an old debt called and discussed the matter with my XXXX year old daughter and my employer. They also advised me they are trying to have me fired.
Product: Credit reporting or other personal consumer reports

The account blance for XXXX XXXX XXXX card blanace has not been reported and updates since XX/XX/2023. Need to report accurate information and update balance
Product: Credit reporting or other personal consumer reports

Although I appreciate your efforts to correct certain errors in my credit reports, one account still has to be fixed. The Experian and XXXX Credit Bureaus are required to verify this account ( A ) by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This disputed account has to be corrected. 
XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

I have reviewed my credit report and found several accounts that were added without my consent, which I believe to be inaccurate. I am requesting that these accounts be blocked and taken off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called trans union about a hard credit inquiry and all they said was they would look into it. The inquiry was for XXXX/XXXX and the phone number listed doesnt work
Product: Debt collection

I have tried on numerous occasions to have this collection removed from Equifax and it has been removed from all the other XXXX bureaus ( XXXX and XXXX ) months ago. The Collection is from XXXX XXXX XXXX Tennessee for {$130.00}. I have come to discover that this debt is also Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report. It is a HIPPA Violation and I NEED THIS TO BE REMOVED ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit corporation is reporting a fraudulent charge for collections on my credit from city of XXXX about from 7 years ago. This account was closed when I graduated college but since 2015 they have been reporting that I owe XXXX from about a year after I left the whole state.
Product: Checking or savings account

My checking account, savings account, and XXXX credit cards from chase ( XXXX and XXXX ) were abruptly closed without any explanation from the bank. I tried going to a local branch and they said they could not help find out, and I also called chase, got redirected to many different divisions with the final answer being that " no one I can talk to can ever tell me why my accounts were closed, other than upon further inspection we can not continue banking with you ''. I have over {$3000.00} points in my ultimate rewards portal that can be used towards travel, and now I am forced to spend them all within the next 30 days, that is if they don't suddenly take them away prematurely too.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block the account on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the XXXX has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX  XXXX XXXX .... Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX   XXXX  Deliberately Robed me  XXXX  Dollars and i cant get verified two open a New Bank account in 3 years. Now All Credit Card Applications Denied I sent the Credit Burrow  3 homes of ID 50 Times and Usually no response or they Send a Credit report has nothing two do with why all Applications are Denied Why Cant i respond two   XXXX  I cant Get a  New Bank account in 3 years and the Credit burrow only Respond you may  have been a victim Of Fraud.
Product: Debt collection

I sent sent in validation for a so called account that is being collected on that I found on my credit reports. 
1 ) There is no company by the name they are claiming they bought this from on any credit bureau.

2 ) They sent a copy of a single statement that is almost 4 years old. This does not justify validation!!!

3 ) The address on the statment is not even correct.
Product: Debt collection

Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX XXXX XXXX XXXX Portfolio Recovery, a debt collector, has reported a debt maintained under my Social Security number to XX/XX/XXXX and XX/XX/XXXX, credit reporting agencies. Portfolio Recovery has failed to validate this debt. 

The South Carolina Statute of Limitations is three years. Portfolio Recovery states they purchased this debt on XX/XX/2017. 
I enclosed copies of my requests to Portfolio Recovery, asking them to validate my debt, XXXX Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. No listings for {$990.00} from XXXX or XX/XX/XXXX are recorded on any of the three credit reporting agencies. I challenged the accuracy, compliance, and reportability of this listing. 

I also sent XX/XX/XXXX and XX/XX/XXXX asking them to validate this debt. No information was provided back to me from XX/XX/XXXX or XX/XX/XXXX that validates this information and provided me no documentation associated with this account, bearing my signature or any such documentation. 

FTC opinion letter on validation Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ), As per Attorney XXXX XXXX XXXX, Division of Credit Practices, This letter says it all - a printout is NOT sufficient evidence of a debt and the burden of proof is on the collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres incorrect information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ) I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO, NEVER LATE I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XX/XX/XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, LLP. THIS LAW FIRM. SPECIALIZES IN FCRA VIOLATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, 15 USC Code 1681 N, says Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have been violated and abused under this notion.

Fact, Transunion is aware and has proof in attachment labeled as Exhibit A that Transunion is in violation of : 15 US Code 1681 N ( B ) 15 US Code 1681 N ( B ) Fact, Transunion is aware and has proof in attachment labeled Exhibit A that Transunion is in violation of 2 Federally Protected Consumer Rights willfully and knowingly, so they are civilly liable. 

Transunion has furnished information, an inquiry, on my consumer report that isn't in accordance with my consumer law.
Product: Checking or savings account

On XX/XX/year>, I attempted to make a cash withdrawal from an ATM terminal at XXXX XXXX XXXX in XXXX. The available amount I could withdraw kept changing on the screen and finally my attempted transaction was abruptly cancelled. I did not receive any record of the attempted transaction or cancellation from the ATM. 

On XX/XX/year> I noted an unauthorized ATM withdrawal from XXXX XXXX XXXX of {$280.00}. I immediately contacted SoFi who said the charge was pending and to call back if and when it is authorized. The charge was authorized on XX/XX/year> and I launched a dispute that day via telephone. 

On XX/XX/year>, SoFi emailed me a denial letter without giving me an opportunity to submit supporting documentation. On XX/XX/XXXX, I emailed SoFi requesting to submit documentation to support my claim which they granted. On XX/XX/year>, I emailed SoFi a cover letter outlining the unauthorized charge and included four documents in support of my claim. 

The four documents clearly show the merchants charge of XXXX is fraudulent. The merchant used an erroneous authorization date of XX/XX/year> ( I arrived in XXXX on XX/XX/year> ) and a bogus dispensation claim of {$280.00} which I never received. 

On XX/XX/year>, SoFi issued a final denial of my claim. On XX/XX/year>, I requested a copy of all supporting documentation used to deny my claim. On XX/XX/year>, SoFi sent me two attachments that allegedly support their denial of my claim, however, I havent been able to open these attachments. Thats when I decided to file this complaint.
Product: Debt collection

XXXX XXXX got a charge on my account for an account that is not mine. Its charged me {$380.00}. This is an fraudulent account and I have no idea who opened this account in my name. I did not approve or authorize myself to an with XXXX XXXX. I have no idea what is this. I looked it up and its cable. I never had a cable account in my name or got cable.
Product: Credit reporting or other personal consumer reports

All three reports- Equifax, XXXX, and XXXX- show a hard inquiry from XXXX XXXX on XX/XX/2023 for a credit card which I did not apply for. The XXXX report also shows a hard inquiry on the same date for XXXX XXXX XXXX. I have frozen my credit with all three bureaus and filed disputes with all three bureaus. I mailed a letter to XXXX XXXX, and I tried calling XXXX, but they were not very helpful. I am hoping to both prevent any additional fraudulent inquiries / account openings as well as have the fraudulent inquiries removed from my account.
Product: Mortgage

My mortgage was sold to another company as of XX/XX/year> to Shellpoint Mortgage and I have yet to be able to log in to my new account online to pay my mortgage or see what's going on and it is now XX/XX/year> and the problem still exist. I have called every week since the loan was transferred and all I here is we'll inform the technical support department and that I'll receive an email in which I have not received in over 5 or 6 weeks. I've asked to be transferred to the IT department but the answer is we can only send out a ticket and you can't speak to anyone in that department. I've had my home for XXXX now and my loan has been sold about 3 times and I have never had this problem. I should be able to access my account to see what's going on. I just want to be able to login to the account to make my payments online or whatever I want to see regarding my mortgage. Not calling in every single month to make a payment.
Product: Vehicle loan or lease

Santander Consumer USA numerous of phone calls regarding the reporting of my credit the last time they reported something to the credit bureaus was XX/XX/XXXX and we are now in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments.It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

on XXXX XXXX my bill for XXXX dollars did not go through when it was on auto-bill, i reached to the company and they said that they saw the payment try to come out of the bank, but it was rejected. they never notified me of the rejection and gave me this late payment. i now can not get a loan because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit card or prepaid card

I am making this complaint to voice my distress and anger over the recent movement by large banks like Citibank and XXXX XXXX ( XXXX  ) XXXX deciding to discriminate against law abiding citizens based solely on their political position. 
I am specifically referring to these corporations decided to not provide banking services to companies that legally produce and/or sell firearms. This is completely counter to the idea of the " free market '' and it is nothing more than outright discrimination. 
I am certain that somewhere in the application process these companies provide potential employees with a statement along the lines of : We are and EQUAL OPPORTUNITY employer. We will not DISCRIMINATE against anyone based on race, gender, religion, or POLITICAL AFFILIATION. 
By making this decision these companies are circumventing the long standing democratic process of the United States. As private companies they are free to use their money and power to press for the political change they want to see, but only to a point. If they want to support anti 2nd amendment candidates for election that's fine. If they want to hire lobbyist to convince law makers to vote for anti gun legislation, that too is fine. But for a company to say they will not provide their services to a person or company because they're stance on a political issue is counter to their own is just wrong. 
Its just as wrong as a company refusing to provide services to a company or person because they are a minority, or they are of a certain religion. This decision will undoubtedly hurt these companies financially in the long run. As an example I can state unequivocally that I will not utilize financial services from any company that decides to follow this misguided, anti democratic, anti American policy. I realize that anyone reading this may be thinking " big deal, one guy '' but allow me to remind the reader that 30 % of Americans are gun owners and of the percentage that don't 36 % intend to purchase one in the future. That is one XXXX of a voting block and one XXXX of a chunk of the consumers in the United States. 
XXXX XXXX Veteran and 2nd Amendment supporter!!!