23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$660.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$1400.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$710.00} Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im a natural person and consumer please dont close and then just attaching documents they feel they are bot complaints
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX andTransunion report this account as 60 Open/Late - XXXX and XXXX for two consecutive months which doesn't make any sense..Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # 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 : States a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

I inquired about a refinance loan based on an advertised rate. The agent deceived me by hiding the fact that she was including 2 basis points to buy the rate. I did not discover this until after I had signed the rate lock agreement and paid a fee to secure the loan. 

This is how the agent rationalized the deception, when I asked what the no point rate would be. Verbatim : " The reason I showed you this rate instead of a not point rate is because it make the most sense as the market is in a great spot to take advantage of but also because you are taking cash out and obtaining a larger loan amount, borrowing at the lowest rate makes financial sense. 

Her dubious rationale is so spectacularly absurd that I would never had expected it. The reason she didnt show me the no point rate was that it was higher that my current rate, even with a ten year shorter term. She knew that she didn't have an equitable product to offer so she simply deceived me into thinking that she did. 

In addition to this, the closing fees that were double the amount I payed when I bought the house in XXXX. Should it cost twice as much to refinance as it does to originate a loan? 

It seems like we are right back to where we were in XXXX. These deceptive practices were actually the reason the Consumer Protection Agency was created. Please fulfill your mission on behalf of consumers. The Truth In Lending Act was designed to protect consumers from these bait and switch tactics.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act Capital One account has violated my rights. 

15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.
Product: Debt collection

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. 
According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 
XXXX XXXX I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence.

I implore you to take immediate action to resolve this matter within the five-day timeframe mandated by law. 
Please manage your responsibilities accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint regarding these items that have been violating my consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, 164. A consumer reporting agency can not furnish account without my written permission under 15 USC 1681 section 604 A Section 2. 
The list of accounts below has violated these rights. 
XXXX XXXX ( Only reported to XXXX ), XXXX XXXX XXXX XXXX ( Only reported to XXXX & Experian ), XXXX XXXX XXXXXXXX ( Only reported to XXXX & Experian ), XXXX XXXX XXXX, ( Only reported to XXXX & Experian ) XXXX XXXX XXXX ( Only reported to XXXX & Experian ), XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX ( Only reported to XXXX & XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Only reported to XXXX & XXXX )
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and XXXXm submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Product: Debt collection

I received attached Discover letters dated XXXX & XXXX. Please send the transcripts of conversations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. And transcripts of calls in XX/XX/XXXX regarding settlement options as mentioned in letter Dated XXXX. Discover is viewing these settlement options as assuming liability but is nothing more than trying to get rid of a 3-year nightmare. 
Please send details on fraud investigation regarding the payments made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please send name of bank, account holder, time of payment, and source of payment either mobile or computer. Please also send the transcripts of these three payments made over phone. XXXX deemed payments made from your XXXX my XXXX financial institution per letter dated XX/XX/XXXX. If a proper, thorough, and accurate investigation had been conducted by Discover, Discover would have realized these were not my institution and not my authorized payments. The XX/XX/XXXX letter also references your financial institution advising they were unable to locate the bank account ending in XXXX. This is fraud, hot check and THERE ISNT ANY REASON THAT I WOULD HAVE DONE THIS! Yet Discover determined no fraud occurred.

Please send copies mailed USPS for the notification of returned payments sent to address of reference as reflected in your Letter dated XXXX.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.
Product: Mortgage

I initially submitted a CFPB case that received extremely vague responses from Wells Fargo Home Mortgage. After submitting a follow up complaint to obtain answers to the specific issues, Wells Fargo sent a letter to me and to the CFPB that referenced the original complaint, and the bank declined to address any of my concerns, as it dodged the questions via a loophole in the CFPB system. 

According to Wells Fargo, the bank can provide generic and boilerplate responses, while exercising its ability to plead the Fifth Amendment, if subsequent inquires are made. 

The bank is completely aware of its abuse of the process that the CFPB maintains to avoid duplicate responses ; however, my original complaints were never answered. 

I asked Wells Fargo for a chain of title that reflects the title history and the validity of the title status for my home. The bank said no, we will not supply any information that verifies whether our actions has clouded the title to your home. 

My loan was sold from Wells Fargo to XXXX XXXX in XX/XX/XXXX. Several fraudulent mortgage assignments were drafted, signed and entered into local court records, thereafter. But, an assignment of mortgage that Wells Fargo used to obtain a judgement was not devised until XX/XX/XXXX. 

After selling my home loan in XX/XX/XXXX to XXXX XXXX within a securitized transaction, Wells Fargo resurfaced along with XXXX XXXX XXXX XXXX XXXX to fabricate an assignment of mortgage in XX/XX/XXXX ( 5 years after selling the note ) to obtain a judgment and toward the prosecution of a foreclosure, " for a loan that it had already sold. " I want justice for my family. Please hold these bank accountable for the pain and suffering that my family has endured as a result of this ongoing charade. Since this bank does not want to cooperate with me, I am asking the CFPB, the OCC and the FDIC to investigate the merits of my complaint much further, and to enforce greater oversight of these licensed banking entities that continue to dupe consumers, as well as regulators. 

Also, I want to be considered for monetary compensation, class action lawsuits and for predatory abuses that I 've experienced since the inception of my loan origination with Wells Fargo Home Mortgage.
Product: Credit reporting or other personal consumer reports

Under penalty of perjury, I swear this account is false and misleading Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. 

XXXX XXXX XXXX XXXX  Balance Owed : {$300.00} XXXX XXXX XXXX XXXX  Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$1200.00}
Product: Credit reporting or other personal consumer reports

Reported a number of Hard inquires showing up after XXXX XXXX XXXX data breach, even though there is a extended fraud alert on my file would not remove. I reported to the company and they stated that they do not share personal information with third parties. BALANCES PAID IN FULL PER AGREEMENT AS STATED ON 1099C, NOT DUE TO BANKRUPTCY. On XX/XX/XXXX mailed each company a written notice is regarding XXXXXXXX XXXX XXXXXXXX IRREVOCABLE TRUST to include all deviations of the same with the SSN list four of XXXX, GA Birth Certificate number XXXX DOD number XXXX, passport card # XXXX and Trademark Registration # XXXX. As Executor and authorized Agent for XXXX XXXX  XXXX IRREVOCABLE TRUST, I XXXX XXXX invokes my right in regards of the Disclosure of Non Personal Public Information and defined by U.S.C., and Constitution of Republic America and per the FCRA. As a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given you. This includes written, unwritten, verbal, and nonverbal permission per 15 U.S. Code 6801 through 6805 effectively immediately and indefinitely. This includes any and all transaction history, any further reporting without a written agreement signed by the Executor or Trustee of this organization signed in Ink or Electronically with Email as verification and a UCC Financial Statement noting said agreement filed with Secretary of State. Further a copy of notice and said agreement must sent certified mail with PS Form 3811 return receipt address to Executor at address below.
Product: Mortgage

I submitted a appeal of a recent email of modification by Suntrust. 

I was approved with the same data XX/XX/XXXX/XX/XX/XXXX and made 2 of 3 trail payments. 

I diverted from making the 3rd and final payment due to using funds for a critically ill parent that just expired. 

I informed Suntrust of the hardship and asked for an extension for that reason and business reasons in XXXX 2015. 

Suntrust canceled my forbearance and modification. 

Suntrust informed me to apply again. I did so with the same data that was used to approve me just 90 days earlier. Suntrust manipulated and falsified my data submitted and falsely used it to decline my request for a modification. 

Suntrust asked me in the appeal letter to address information regarding a lien and I sent attorney information on that matter. Suntrust did not take the information I sent as trust and modify it with my request. 

Overall, this has been a brutal experience where my data has been manipulated or falsified or discarded so as to allow Suntrust to deny my modification.
Product: Credit card or prepaid card

XX/XX/XXXX. Fraud early warning system went into effect and blocked an important purchase I was attempting to make in the amount of {$1800.00}. All three representatives I spoke to including a supervisor refused to lift the block on the account despite having provided them with the correct account information and security questions information. The supervisor even said 'he didn't blame me ' when I told him that I would be reporting Citibank to the CFPB. This company is deplorable with the worst and most antiquated policies. Phone numbers should not be the only means of determining card ownership. I am tired of going through this with them. I want the credit score restored from the time before they pulled a credit check in XX/XX/XXXX. I hate this company and want my credit restored at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$4500.00}
Product: Debt collection

This is their last opportunity to resolve this issue before I submit a complaint with the court as I will be seeking remedy for these violations. This company LVNV FUNDING is not following the procedures of the FDCPA as they did NOT send me a notification about this debt before reporting it on my consumer report. If the believe that they have then I demand to be shown proof by providing the certified green receipt bearing my signature about XXXX business days prior to the initial reporting of this alleged debt. Next, they did NOT send me any verifying and validating information about this alleged debt when I requested it. I specifically asked for the purchase agreement and they decided to send me billing statements which proves nothing. LVNV FUNDING is a collection agency that is purposely violating the procedures of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, without validating/verifying the debt, they have also reported this information on my consumer reports which violates the Fair Credit Reporting Act as they have knowingly furnished inaccurate information to consumer reporting agencies. Lastly, I had requested a cease of all communications from this agency to which they have stated that they would 'honor ' however, it has come to my attention that they are still communicating with me indirectly via the medium of consumer reporting. The FDCPA specifically defines what communication means which is " 15 U.S. Code 1692a -Definitions As used in this subchapter ( XXXX ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' Thus further violating the procedures of this act. This is my final attempt to resolve this issue, if this matter is not dealt with promptly, I will be seeking legal action against this agency for unfair, abusive, false and misleading debt collection practices.
Product: Credit reporting or other personal consumer reports

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX account ( XXXX XXXX account number XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Capital One Bank USA NA has accessed my credit report from the XXXX major credit bureaus. I have never contacted or seek to get any kind of financial product from the company. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit, hence in violations of my rights.
Product: Credit reporting or other personal consumer reports

This account is a matter of Identity theft. Remove from my credit immediately. Also the account has inaccurate and fraudulent information that does not mirror each other through the credit bureaus it is being reported by. XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Experian Account # XXXX
Product: Mortgage

Roundpoint mortgage company requires that its customers complete a insurance claim packet including legally binding affidavits in order to release insurance claim funds. I have submitted an insurance claim disbursement check to the company and I am awaiting the return of the check or disbursement of the funds. Roundpoint insists that they can not release the check without a signed affidavit, but this is not a requirement of the mortgage note they agreed to service - a standard Minnesota mortgage note via XXXX XXXX. I have contacted both customer service and the consumer ombudsman at Roundpoint and they have not been willing to discuss the issue or reconsider the affidavit. Since I do not have a choice in who services my mortgage, Roundpoint is effectively forcing me to enter into a legal agreement with them since I can not afford to repair my home without the insurance claim funds. This is not acceptable and I expect Roundpoint to release the funds without a signed affidavit.
Product: Credit reporting 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 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX Account Name : XXXX  Account # XXXX. 
Account name : XXXX XXXX # XXXX Account name XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX & XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX  # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

I have rights to ensure that your private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without your permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.