23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

this message is against XXXX, experian, and XXXX. i was the victim of identity theft and fraud etc. i sent these credit reporting agencies multiple ftc id theft reports and police report and cover letters. they refuse to delete all inquiries and accounts that i reported as fraudulent. i will attach the ftc report for them to see, as well as police report
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries/ Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In according to FCRA ( 1970 ) 15 U.S.C.1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize.

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 consent.
Product: Debt collection

Aafes is charging me twice for account ending in XXXX and XXXX and the amojnt is the same XXXX that was taken twice out of my income tax when there only supposed to be one and Aafes made a duplicate account and has it paid, tried contacting emailing and phone call and keep getting the run around to contact third party XXXX  since they dont have the debt and contacted XXXX and told me to contact Aafes  since it came from them and they made the mistake and made a duplicate account
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted regarding MULTIPLE inquires that I am unaware of and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, you did not show my authorization as required by law authorization, written nor verbal I ask that you DELETE these non authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Replying to my CONCERNS with a letter stating to contact the companies that are listed on inquiries is not legal. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete
Product: Debt collection

The XXXX XXXX debt collection XXXX XXXX  has been calling me and collect the money in the account has been closed and paid off and I understand even has payoff still is not gon na move from my credit report, but I sent it dispute too many time XXXX not complete and I would like this time the company see my message and complete my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Company is attempting to collect XXXX for a cable box that I already paid XXXX XXXX for and I also returned the box. XXXX assured me that they pulled this from Enhanced Recovery and no other collection attempts and it would be removed from my credit.
Product: Debt collection

I files a complaint with you all ( CFPB ) on XX/XX/2018 against Merchants Credit Guide account # is XXXX about a bill they have in there office for {$120.00}. I got a response from you all ( CFPB ). I did not want to fight the debt anymore and called Merchants Credit Guide this morning asking to pay the bill and XXXX XXXX or XXXX XXXX and his email is XXXX told me because I had filed a complaint with you all ( CFPB ) THAT I COULD NOT PAY THE BILL. SO I'M HOPE AND PRAYING NOW YOU ALL CAN HELP ME!!! CAN Y'ALL PULL THAT COMPANY TAPES AND LISTEN TO THEM BECAUSE THE SAID ALL CALLS ARE BEING RECORDED. AND YOU WILL SEE THAT THEY DO LIE. Like that lied in the RESPONSE they gave y'all with my first complaint that I made with y'all about them. My first complaint number with y'all on them is XXXX. I'm just trying to pay the bill and get this matter done and over with.
Product: Checking or savings account

XXXX XXXX I deposited a check with XXXX XXXX  under my small business name. After getting an ein number, proof it was my account, other bank verifying funds and doing everything chase fraud department wanted they refused to release my funds after cashing the funds into my account and said that the person who wrote the check out to me should just file an endorsement claim but that would only be correct if it was fraud but this is not fraud I had processed check under my non business account by accident. They have been difficult to work with me and when I call they hang up on me when I let them know I am recording for my documentation.
Product: Money transfer, virtual currency, or money service

Used Zelle through my bank 's online banking system XXXX XXXX XXXX  ) to make a payment of {$45.00} for a concert ticket from my checking account. Seller continued to try to obtain additional money, and it became apparent that it was a scam and he did not actually have a ticket. Contacted my bank because the transaction is still pending to report the fraud and have the transaction cancelled. Customer service ( for Zelle, but contacted through my bank 's customer service number ) stated that I could not dispute the transaction until the money transfer took place, which could take up to 7 days. I stated that the transaction was fraud and that we needed to take action before the transfer was made, but the company refused.
Product: Mortgage

My mortgage loan was transferred to Newrez in late XXXX. I was informed that my automatic payment authorization would transfer, I didn't expect this to be accurate so I manually made a payment in XX/XX/XXXX. I enrolled on their site in autopay and had hoped that this would work. However, Newrez refuses to draft my monthly mortgage payment, and instead calls me after the grace period and after additional interest is accrued on my loan. They further refuse to apply my payment retroactively. Going forward I wont trust their auto pay and will verify my payment is made, but I ask that Newrez apply my XXXX and XX/XX/XXXX mortgage payment retroactively to the XXXX of the respective month. This is clear UDAAP practices given my inability to avoid the harm they are creating. 

I last spoke with XXXX XXXX who confirmed that there was a temporary autopay hold on my account that was supposed to have been removed on XXXX, but was not that prevented my XX/XX/XXXX payment from being drafted on XXXX and that there was a technical issues that prevented my XXXX payment from being collected. I was never contacted about the technical issue.
Product: Debt collection

I have been trying to contact XXXX XXXX, XXXX. for several months about repayment of my debt held by them ; I first attempted to contact them on XX/XX/XXXX, and I got a voicemail which said my call would be returned based on the message I was asked to leave ; my call was never returned. I attempted to call again on XX/XX/XXXX, but was met with the same results. On XX/XX/XXXX, I called a third time, again got a voicemail and left a message ; this time, someone returned my call, but I was not able to speak with them at length at that time. We set a time for them to call again the next day, but the call never came. On XX/XX/XXXX, I received a letter from XXXX XXXX stating that XXXX XXXX, XXXX. had sold my debt to them, indicating it was because their attempts to collect on the debt were unsuccessful ; this is false, as I called three times over several months and either no one was willing to speak to me or my calls were not returned as promised.
Product: Mortgage

I am under contract for a property located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX effective as of Friday, XX/XX/2022. As part of the mortgage process and due to the volatility of interest rates, I interviewed multiple mortgage lenders one of which was Equity Mortgage Lending and their agent or representative XXXX XXXX. On Tuesday, XX/XX/2022, I made a decision to proceed with an alternate lender and executed their initial disclosures and locked my interest rate. I had no further communication with Equity Mortgage Lending and did not execute disclosures or any other documentation implying that they were the agent I had chosen. Shortly thereafter, I had a home inspection done and continue to proceed towards closing. I believe on XX/XX/2022, my current lender attempted to order an appraisal and became aware that the FHA Loan # was being HELD by Equity Mortgage Lending and requested an immediate transfer. They appeared to respond promptly and indicated that they transferred it to another company in error which we now find to be false. Apparently, they have gone back and forth and received multiple excuses until I became aware of the situation yesterday, XX/XX/2022. Because of the holiday, I waiting until this morning to again ask XXXX XXXX XXXX and Equity Mortgage Lending to release the FHA Loan #. He was clearly upset and verbally berated me for not proceeding to close the loan with his company and said that he " will get to it when he can. '' This is beyond unacceptable and clearly in violation of my rights as a consumer. In my opinion, this is not only unprofessional but I am at risk of not only losing my contract, but also losing the earnest money deposit and the advance fees I have paid to close on my home. Further, as interest rates continue to rise, I may also fall outside of the lock period and suffer additional damages which I will seek to recover if the FHA Loan # is not properly released today, XX/XX/2022. I am asking for your assistance in forcing this transaction and the re-assignment of my FHA XXXX # to XXXX XXXX Mortgage. Please feel free to contact me directly if you require any further documentation.
Product: Mortgage

I have a prior CFPB complaint against Wells Fargo. that was filed in XX/XX/XXXX ( CFPB Case # XXXX ).  This saga continues unresolved. 
Wells Fargo is the second lien holder on my property. They told me once my first lien is modified by XXXX XXXX under HAMP & Making Homes Affordable,  Wells Fargo would follow suit, per Second Mortgage modification Program ( 2MP ) as obligated by Servicing Program Agreement ( SPA ) signed by Wells Fargo in XX/XX/XXXX with the Treasury Department. Now they refuse to live up to their obligation. 
Second Mortgage Modification Program ends on XX/XX/XXXX. They have been stalling since mid XX/XX/XXXX to  exhaust this deadline. They are required to " mirror '' the 1st lien holder 's Modification terms, and since my property ( in Florida ) is severely underwater, forgive part or all of the principal ( per Making Home Affordable agreement ).
Every phone call and follow up with Wells Fargo is costing me an additional 15 days for them to respond. PLEASE DO NOT EXTEND THEIR RESPONSE TIME.
Product: Prepaid card

Rush card has been holding mu money since XXXX/XXXX/2015. It was several days before I received any money.
Product: Checking or savings account

I opened BOA checking account 8 years ago. That is e-checking account, means no fees as long as I am not using branch. Recently I was checking my BOA account and realized there is monthly XXXX dollar service fee charged from my account. I contacted BOA and they were saying they informed me by XX/XX/2017. I searched all my emails from BOA, none of them mentioned about there is additional fee charging. The customer service mentioned the notice is in statement. How should I open the statement everytime? And the notice is on the second page of PDF file. there is even no sign mentioned there is very important change/fee to my account. I argued with them, they said BOA is always like that to customer. I want my money back ( {$67.00} ). this amount money is small. But the way they inform customers is awful and they feel proud about their way. It is definitely need some regulation for this type of move from BOA. 
There is no obviously sign/indicator to let customer know the potential charge. I ask CFPB to investigate this.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/year> Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID XXXX Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents below, which indicates from a recent dispute and data breach which my information was banking information was all compromised. XXXX has deleted XXXX XXXX from my credit file/credit report as per their investigation. I am requesting for Transunion and XXXX to also delete this fraud account from my credit file as well. I will keep disputing this account as many times needed. As XXXX XXXX is trying to collect moneys not owed and also this account was opened fraudulent which they are already aware. Transunion and XXXX are not complying and slow to respond. As XXXX has already resolved the issue and deleted this file.
Product: Credit reporting or other personal consumer reports

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

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

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

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


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

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

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

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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ACCOUNTS on my credit report. The ACCOUNTS are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent ACCOUNTS affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the ACCOUNTS claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! XXXX XXXX XXXX XXXX XXXX You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the ACCOUNTS immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Between XXXX and XXXX of XXXX, I entered into a consulting agreement with an individual who was going to help me jump-start my small business presence by helping with marketing and setting up a website and business email as a part of the package deal that we agreed to. I XXXX  this person a total of {$1800.00}. I reached out to this person multiple times trying to get the service that we agreed upon completed or a refund. Because I filed my complaint within the same year, I was hoping that the bank would be able to reverse my payments. After submitting documentation of fraud ( including a bank statement showing the amount paid and text messages ) I was informed that there was nothing that they could do because it included a 3rd party and they wished me the best of luck. I asked them if the banks aren't going to honor or try to help with XXXX payments which we all assume if the bank has partnered up with them, the payments made as long as they are verified should be refundable.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXD {$480.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 Balance : {$0.00} XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : {$3600.00}, XXXX XXXX Balance : {$760.00}, XXXX XXXX  XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXBalance : {$2300.00}, XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$2300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXBalance : {$690.00}, XXXX  XXXX Balance : {$1600.00}, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

I was behind on my loan payments but have brought them up to date. Kia will no longer mail me my bills said something about closing out the account. They still want payment but wo n't send me anything. 
I asked twice for a close out letter so I can refinance with another company. My first request was XX/XX/XXXX they said it would be mailed that day but could take up to 10 days. I called back on XX/XX/XXXX since I did n't receive the letter, confirmed that they had the right mailing address, they did. They told me they sent the letter that day. I asked to send another letter and that was on XX/XX/XXXX, still no letter. Everytime you call Kia you are on hold for at least 40 minutes.