23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO HOME MOR has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

Received a call and voicemail was left from a restricted number this afternoon around XXXX. Name of the caller was XXXX XXXX. No company name given, no specific reason for calling ( never mentioned actual debt or anything it was in regards to ). Immediately started talking about coming to see me Monday with a court summons at either my residence or place of employment and that I would need proof of ID and my signature. Said that if I was n't reachable on Monday or could not be found, that they would file an affidavit and further action would be required. Only information given to contact them was this number : XXXX and used the word 'firm ', no company name given. Also said to refer to case number XXXX. I 've received calls like this before and they have been happening more often. I did not call the number back, but a simple XXXX search pulls up similar incidents from other people receiving calls from this number and numbers like it.
Product: Mortgage

On XX/XX/XXXX we closed on a refinance of our primary residence located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The outstanding loan amount was about {$89000.00}. We always paid our mortgage on time, never was late. In XX/XX/XXXX/XX/XX/XXXX our home was destroyed by fire. Our insurance company XXXX, cut us a check to payoff the mortgage and to begin to rebuild our home. The check amount was {$260000.00}. We ( my spouse and I ) had to endorse the check on the back and send it to the mortgage company to pay off the balance. In turn the mortgage company, Freedom Mortgage, sent to us the difference of the mortgage owed to them. The remaining amount is being used by us to begin rebuilding our home. The amount sent to us was {$170000.00}. However since XX/XX/XXXX, we are receiving calls from the mortgage company stating that our mortgage is due and we owe them a payment. The latest representative has called us and threatened to begin the foreclosure process. The loan should have been paid off with a balance of XXXX. When talking to the representatives, they state that the records show we owe over {$80000.00}. That is not possible, because we received a check for the difference of what we owed on the loan. I have attached a copy of the check showing it had cleared the bank.
Product: Money transfer, virtual currency, or money service

A " Wells Fargo '' employee contacted me to " stop '' a fraudulent person from accessing my account when really they were collecting my information to steal the funds themselves.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX XXXX numbers XXXX and XXXX, XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX  Account number XXXX, XXXXXXXX XXXX Account number 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed by consumer report and noticed that I had 2 late payments on an account that I was never late paying. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for XXXX XXXX ( Account number XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be, being as I was NEVER late. Thanks.
Product: Debt collection

On  XXXX   XXXX ,  XXXX  we moved in this apartment at  XXXX   XXXX   XXXX   XXXX .  XXXX , TX.  XXXX  and moved out to  XXXX , TX. on  XXXX / XXXX / XXXX , we paid everything that they required under the leasing contract, we had a walk-thru with th e Property Manager   XXXX   XXXX  and delivered her the apartment in top structural and sanitation condition, we signed a release form with her and moved out, to our surprise, abo ut 3-4 months later we got a letter from her stating that we had a balance of {$120.00} due to carpet damage, cleaning of tub and hangers ; we delivered the apartment in a very good condition, the carpet was shampooed and no tear or spots on it, the tub and hangers were totally clean and disinfected by us . We think that since we were selling some items to avoid transporting and braking them, we had offered her our new TV set for a price that she did not want to pay and she was hoping that we were going to let her have it for peanuts. We did not sell it for such a low price and decided to bring it with us, so she got upset and later started this false accusations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Include dates, amounts, and actions that were taken by you or the company I have called XXXX and remove inaccurate information on my credit report. Since XX/XX/20 I have been fighting tooth and nail to resolve credit inaccuracies. I have been filing disputes for late payments, and fraudulent inquiries XXXX refuses to remove. I have called them day in and day out for weeks working on resolution and I have sent multiple disputes waiting 30 days between disputes! I have spent over {$50000.00} in credit repair and I have lost out on over {$750000.00} worth of damages in lost investments.
Product: Credit reporting or other personal consumer reports

I DO NOT RECORGNIZE THESE ADDRESS PLEASE REMOVE THEM. THANK YOU! 

XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I have been trying to get Experian and XXXX XXXX to resolve this clear billing error violation on my credit report. I am being flat out ignored and i don't understand how Experian could be a muilti million dollar company and still take advantage of Americans. How can they just put inaccurate late payments on my credit report, severely hurt my credit, and then ignore when i show them that it is not accurate. The fair credit and reporting act clearly states that they can only report accurate information. Well the late payments back in XXXX and XXXX are 100 % false. If they were doing their job correctly they would know this. How do i get a late payment on a product that i completely paid off?
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Payday loan, title loan, or personal loan

I requested a loan online and received a positive response the following day. Before receiving the response I emailed and called lending club to tell them I didnt want the loan after all as I had gotten a better one through my bank ( XXXX XXXX XXXX XXXX ). They told me it would take a couple days to show up and when it did I needed to call them back. I did so. They told me I would be able to use their 30 day policy for refunding the loan without any fees if I could keep it from getting to my bank. I told my bank. They werent able to do a stop payment on an ACH transfer so I called lending club and let them know. They told me that Id just have to get the money consolidated into my bank account and then give it back. I told my bank to do so. They did. The money remained in the account it had deposited into for a full 30 days while I repeatedly asked lending club through email and phone calls to take the money out. They kept telling me just to pay it off. I told them no I wouldnt because I didnt want it and they had a refund policy so they kept saying they would take the money out right up to that XXXX day, even sending an email to me saying that they had indeed taken the money out and this was a receipt for them having done so. Then I got a phone call from their payment dept asking me to pay them the first payment. I told them no I wasnt going to pay the payment but the money was in my account please take it out. They waited until the day after the XXXX day to tell me that the transaction had actually failed. They claimed this was due to insufficient funds and it was my banks fault. I called my bank. They told me the contrary. They said the transfer of funds had bounced back but that it was an issue with the lending club. I called and told lending club this and they said since the 30 days had passed it no longer mattered if I had intended to get the money to them and had made every effort at stopping the loan from coming to me, every effort at returning it, and been extremely patient for the entire month - now they have sent me a collections letter. I have tried everything in my power to handle this but it seems as if this is a scam. 
XX/XX/XXXX XXXX $ transfer to XXXX accts Emails and phone calls to XXXX XXXX and LC XX/XX/XXXX Emails XX/XX/XXXX from LC to me acknowledging the cancellation Emails on all the dates following asking them to please cancel this loan and them acknowledging my attempt to cancel : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX for the hundredth time I dont want this XX/XX/XXXX receipt of collections letter from XXXX from Lending Club for the past due balance of XXXX XXXX This is a far greater amount than the original terms and apparently theyve been taking money from my bank account for payments as well.
Product: Credit reporting or other personal consumer reports

NOTICE OF PRIVACY VIOLATIONS AND DEMAND FOR COMPLIANCE Re : Capital One Auto Finance accounts # XXXX and # XXXX I am disputing excessive sharing of private transaction history while maintaining positive account status : Account Details : XXXX. Account # XXXX - Opened : XX/XX/XXXX - Current Balance : {$2500.00} - Last Reported : XX/XX/XXXX XXXX. Account # XXXX - Opened : XX/XX/XXXX - Current Balance : {$21000.00} - Last Reported : XX/XX/XXXX Legal Basis for Dispute : XXXX. Privacy Act ( XXXX XXXX XXXX ) Violations : Section XXXX ( XXXX ) ( XXXX ) requires " only such information as is relevant and necessary '' Detailed transaction history from XXXX exceeds necessary requirements XXXX demonstrated business necessity for historical details XXXX. FCRA ( XXXX XXXX XXXX ) Violations : Section XXXX ( a ) ( XXXX ) ( A ) prohibits furnishing excessive information Current reporting exceeds standard credit reporting requirements Violation of reasonable procedures requirement XXXX. CFPB Regulations : XXXX XXXX requires accurate, necessary information only No compliance management system demonstrated No privacy protection procedures shown XXXX. Legal Precedents : CFPB XXXX XXXX XXXX : Requires limited scope of reportable information XXXX XXXX XXXX : Establishes standing for privacy violations INCOME REPORTING VIOLATIONS : A. XXXX  XXXX Section XXXX ( a ) ( XXXX ) : " Gross income includes income from discharge of indebtedness '' Charge-offs are XXXX debt XXXX debt becomes income Income can not be reported on credit reports B. XXXX XXXX XXXX : " Any applicable entity which discharges indebtedness of any person during any calendar year shall make a return '' Requirements : Form XXXX must be issued Debt must be reported as income Can not be simultaneously reported as active debt XXXX XXXX  Publication XXXX : Specifies : Cancelled debt is income Must be reported for tax purposes Can not be treated as outstanding debt FCRA ( XXXX XXXX XXXX XXXX a ) ) : " If any person takes any adverse action ... the person shall provide notice '' Violation : No proper adverse action notice provided ECOA ( XXXX XXXX XXXX XXXX d ) ( XXXX ) ) : Required statement of specific reasons not provided PRIVACY ACT VIOLATIONS : For accounts : # XXXX Opened : XX/XX/XXXX Balance : {$2500.00} Status : Must be removed as income # XXXX Opened : XX/XX/XXXX Balance : {$21000.00} Status : Must be removed as income
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX late payment was occurred on a XXXX Credit Card Account during the XXXX pandemic, as I never received a statement or phone call alerting me of the past due balance. Immediately upon receiving an alert from my credit monitoring, the account was paid in full. It still reports negatively on my account. The credit bureaus have not removed it.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding an unresolved issue on my credit reports. There is invalid information from XXXXXXXX XXXX XXXX which, despite my previous attempts to resolve it, remains unresolved on my credit reports. I believe this fraudulent account has been reported inaccurately and is adversely affecting my credit score. As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from XXXXXXXX XXXX XXXXXXXX. I hereby request that XXXXXXXX XXXX XXXXXXXX remove this fraudulent account from my credit report immediately. I have attached my FTC report supporting documentation. According to the FCRA guidelines, I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. If XXXXXXXX XXXX XXXXXXXX fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect XXXXXXXX XXXX XXXXXXXX to take this matter seriously and treat it with the urgency and attention it deserves. Thank you for your immediate attention to this matter. I expect that XXXXXXXX XXXX XXXXXXXX will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I made a deposit into my checking account on XX/XX/2023. I am a XXXX  and the check was issued by XXXX XXXX- a local title company in XXXX Oklahoma. 

It is very common and typical that I receive my paycheck directly from the title company. Chase told me there would be a hold on the funds until Tuesday XX/XX/2023. I accepted this and thought nothing more about it. 

Today, XX/XX/XXXX, I find out that Chase has placed a fraud hold on my account and that I have zero access to any funds in my checking account. They said that they did this because they can not confirm that the telephone number on the check is associated with the business name on the check who wrote the check. 

The funds have cleared and money released to Chase Bank Chase is holding the money hostage, indefinitely, waiting to confirm a telephone number. I have provided the business phone number. It is easily obtained by XXXX the Title company or by going to the company website or by looking at the face of the check. 

They tell me that I will not have access to these funds and that they will not give me back the check that I deposited. 

There is no remedy for me to have access to my paycheck. 

Chase bank has allowed deposits of other checks from this very same title company and readily granted access to those funds. 

XXXX XXXX has offered a copy of their phone bill - a copy of their business license and any other verification that Chases needs - but Chase has declined
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX potentially negative icon Potentially Negative StatusClosed.  {$130.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1000.00} Date OpenedXXXX Details XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$150.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1200.00} Date OpenedXX/XX/XXXX Details XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$90.00} past due as of XX/XX/XXXX 
Account TypeCredit card Balance {$430.00} Date OpenedXX/XX/XXXX XXXX XXXX XXXX   XXXX, TX XXXX SINGLE FAMILY accounts and address are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has violated my federally protected consumer rights. I have NOT and DO NOT give TransUnion written permission to publish any reference to my social security number, redacted or not, nor my phone number ( s ), nor duplicate references to my name OTHER THAN ONE reference to my full legal first, middle, and last name, nor my past addresses, nor my employer information. TransUnion is in violation of reporting non-conviction related adverse items on my consumer file to include late payments, a collection account, and charge-offs. TransUnion is also reporting three fraudulent/inaccurate credit inquiries on my consumer file. Please see my attached consumer file.

Pursuant to 15 U.S.C 1681 section 602A I have the right to privacy.

Pursuant to 15 U.S.C. 1681 consumer reporting agencies such as TransUnion have assumed their roles and must be held responsible for accurate and fair reporting.

Pursuant to 15 U.S.C 1681c section ( a ) ( 5 ) 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.

Pursuant to U.S.C. 1666b a Creditor MAY NOT treat a payment on a credit card account under an open-end consumer plan as late for any reason.
Product: Student loan

Recently in various news outlets such as XXXX XXXX and many others it was brought to my attention that Navient my current provider was engaging in illegal or deceptive practices which involves pushing students deeper into debt by making them forbearance on there loans causing the interest to swell up and make it impossible for the borrow to pay back the loans. With this new information the company should be shut down forever by the government for there illegal and deceptive practices and the money I paid the service provider should be repaid to me in full plus the remainder balance of my student loans along with other should be wiped clean. This is illegal and they should not be allowed to do this or have an operating company.
Product: Vehicle loan or lease

In the summer of XX/XX/2018 I was moved to the state of Nevada by Hurricane Maria for a job offer. Proceedings were made with the XXXX XXXX XXXX XXXX XXXX to verify how the car that the bank could finance me move to there. The XXXX XXXX did not have branches in that state did not allow the vehicle to be moved at less than It will not be paid in full. As this payment was not possible, we were forced to voluntarily give it up. In these circumstances, it seems to us that the consumer should not be harmed with a negative credit report when banks do not have alternatives for this type of transaction in interstate commerce.
Product: Debt collection

According to American Express, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX has unlawfully changed the mailing address on my American Express account ending in XXXX on 5 different occasions since XX/XX/2020. These address changes were executed without my authorization and outside of my knowledge. Account statement including sensitive information about my identity and financial account were sent to an address starting with XXXX XXXX XXXX ( the rest of the address was redacted ) on 5 occasions during the past 90 days causing me harm and costing me countless hours of work trying to remedy the issue with both XXXX and American Express to no avail. The unauthorized address changes keep happening. For the record, XXXX is a debt collection company, however, my American Express account is current and not in arrears so the the reason why XXXX has access to my account is unknown.