23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

CEASE AND DESIST CAPITAL ONE Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. 
Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Do not close my account ( s ) without my authorized permission. 
XXXX out the balance on this account. 
Best regards, XXXX XXXX
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 1681has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Credit Karma assured me that I would get a credit card when what really happened was I was denied because of my my credit score and it went as a bad mark on my credit report because this company pulled up my credit history without my approval. I have been getting spam from credit karma and a bunch of other loan and credit card places through my my mail and email.
Product: Credit reporting or other personal consumer reports

American Express reported my transaction history Between XX/XX/year> and XX/XX/year> which is illegal. They also did it without my written consent.
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 XXXX5 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX - 2024XX/XX/XXXX 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: Student loan

Complaint 1 : I made my payment early as I often do, though I'm on automatic payments. When you do this, there's a disclaimer saying that your additional payment will reduce your automatic withdrawal payment by the amount of the additional payment. I haven't had the payment come out twice before. It did this time, and when I asked about it, they treated me like an XXXX. I even selected " Principal Only '' for the additional in case this happened, yet they took interest from both payments. This shouldn't have come out twice, but if that's how they're going to run their business, then additional payments that have been marked for Principal Only need to be Principal Only. 

Principal Interest XX/XX/2018 Pending {$100.00} XX/XX/2018 Payment {$120.00} {$100.00} {$18.00} XX/XX/2018 Payment {$110.00} {$110.00} {$0.00} Complaint 2 : I refinanced the majority of my loan in XXXX to another servicer because Great Lakes ' practices are so terrible. The balance left with Great Lakes was a little over {$6000.00}, yet they did everything they could to keep my monthly {$350.00} payment that I was paying when my balance with them was nearly $ 30k. I had to fight tooth and nail to reduce the payment to what it should be. I got through the whole hour-long process on the phone the first time, and was told I'd have to wait over the following weekend for changes to take effect. The changes never came, and the entire {$350.00} was withdrawn from my bank account. I called to see where they were at in the process of changing it, and they claimed they had no record of my call. So I went through the whole process again. I saw nothing still the following week, so I called again. Again, no record of me calling. On the third time, after threatening reporting them, my payment changes were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX XXXX .... Late Dates XXXX, XXXX/XXXX XXXX .... Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX... XXXXLate Dates XXXX, XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX .... Late Dates XXXX
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. 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 antedat
es 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

XXXX  is reporting incorrectly a collection in the amount of {$8900.00} on the XXXX partial account number XXXX. Transunion is reporting incorrectly the XXXX partial account number XXXX. XXXX sold this account to XXXX. ( Please see page attached from my credit report. ) It is a violation of the Fair Credit Reporting Act to report this account twice. XXXX was the original creditor and this account needs to report a {$0.00} balance. This false reporting of the same collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent inquiry was made today on my XXXX  credit report by 5/3 Bank. I was alerted via a credit reporting watch I have with XXXX. A screenshot of this inquiry is below. I called with no resolution and have written a letter.

I have no open accounts with 5/3 and should not have had ANY inquiries on my personal credit report. I am disputing this whether this hard or a soft inquiry ; either way, I want this removed immediately, please. I have recently had fraudulent addresses appear on my credit report and in XX/XX/XXXX, I contacted 5/3 Bank. I sent a letter to : 5/3 Bank, Attn. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Ohio XXXX specifically asking to be certain 5/3 Bank was not reporting fraudulent and incorrect information to the credit bureaus. THIS REQUEST SHOULD NOT HAVE CAUSED AN INQUIRY OF ANY KIND. Obviously, I am trying to clean up my credit report of fraudulent information, not have random inquiries added which would be further detriment. I did not give any authorization or permission for any inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX LA XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Mortgage

I have tried to resolve these issues concerning this debt claiming we owe to HUD. We have called HUD and explained that I refinanced on XX/XX/XXXX. I received a notice from Wells Fargo of this Debt with HUD on XX/XX/XXXX. I didn't understand why I owed this money, I found out an FHA Cash-Out Refinance was not done. When I spoke to HUD I could not get any help. I had a mortgage with Wells Fargo Home Mortgage and refinanced with XXXX XXXX. I got in touch and both banks and so far nothing has been done. Please note I refinanced on XX/XX/XXXX, with XXXX XXXX, I didn't receive this HUD information from Wells Fargo until XX/XX/XXXX. I received a letter from Wells Fargo on XX/XX/XXXX, that I requested a pay-off letter, the letter stated that all funds were paid. A copy of the pay-off was on XX/XX/XXXX. HUD did not get paid so now HUD is prepared to take 15 % of my social security check each month. I'm hoping this can be resolve because Wells Fargo failed to do a correct FHA Cash-Out Refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 3 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : XXXX XXXX Balance Owed : {$26.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act, this creditor Transunion, XXXX & XXXX Has violated my rights under 15 USC 16 8 1 section 602 states. I have the right to privacy 15 USC 1681 section 604 A section 2 also, states consumer reporting agency can not furnish any account without my written instructions Under 15 USC 604 1666, a creditors may not treat a payment on a credit account under a open and consumer credit plan as late for any purposes.
Product: Mortgage

Wells fargo applied mortgage payments to a account that i never authorized. I believe there were numerous payments accepted, in not sure exactly where the payments actually posted or if they even posted at all minus the payments that are accounted for. And where receipts were available to show proof of payments. This has been a ongoing unresolved issue that the bank has failed to resolve. It doesn't stop at the bank simply made a mistake. Its a clear pattern of misconduct and predatory leading practices. That could have easily been resolved early on when I learned of the serious issues that have contributed to rocking my stellar credit history that I worked hard to establish and utilized. And that is and continues to be a primary reason why my wife and I are currently struggling with our current situation and the primary reason we haven't been able to utilize any credit that Wells Fargo is neglecting to take responsibility for their ongoing active negative reporting of these unprofessional misleading and allowed fraudulent transactions to go unaddressed or at bare minimum. Look at the claims that are being presented and made the correct decision in how the credit reporting of misleading information has contributed to the dilemma we are currently faced with. And that said is the current situation that my fiance in good faith efforts to settled these accounts with Wells Fargo before becoming fully aware of the circumstances and from predatory tactics where threats were made and the outcome of any compromise or agreements with Wells Fargo were non existent or off the table due to these absolute threats being made to her and as I tried to e explaining numerous times and countless hires have been completely exhausting and unfruitful as to any solutions. That would on any level show some willingness to understand that the facts are and have aways been clear as to how this loan payments became according to Wells Fargo late in the first place. Not only did it happen so quickly every aspect of the loan with its small print I guess legally accellerated and with that things that had never been a issue like mortgage insurance and although there had never been any late payments or issues with the home owners insurance. It didn't stop Wells Fargo from using it in relation to tacking on the extra charges to make it easier for the immediate removal from the normal banking into another department, and I learned all the predatory tactics after the fact and months later. This is a classic poster board of a uneducated consumer that was taken advantage of. The drawing all money from my checking and savings accounts. That never todate haven't received any type of recipe or itemization as to why or how if i was the owner of the mutable accounts that Wells Fargo claimed i opened or authorized and from all appearances should and would've been utilized to prevent my mortgage from being late in the first place. It just doesn't make any sense when one actually takes the time to look into the shady practices that this bank and its executives at the time and location of these practices of misconduct took place.
Product: Mortgage

I received a bill statin g Selene Finance w as requesting {$160000.00}. on house at  XXXX   XXXX   XXXX   XXXX , MO  XXXX . Problem is bill was sent to mortgage owner  XXXX   XXXX  and she has been deceased since  XXXX , We sent the copy of death certificate and informed  Selene Finance that   XXXX   XXXX   was  deceased the rep said all collection would cease because they did indeed had copy of death certificate. On  XXXX   XXXX  some people who said they were from  Selene Finance  looking for  XXXX   XXXX  they were informed once again she is deceased. In the state of it is illegal to collect or try to get monies from a deceased person an d Selene Finance  was notified of this their address is  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  phone number  XXXX   XXXX   XXXX  property or account is  recognized under   XXXX   XXXX  and her address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00}.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from XXXX, XXXX, Equifax immiediatly. 

XXXX XXXX XX/XX/XXXX {$900.00} XXXX XXXX  XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 202
Product: Credit reporting

After reviewing my credit report in detail at the XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 


Account in question are : XXXX ( i believe we first became late of 7 yrs ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.
Product: Credit reporting or other personal consumer reports

15 usc 1681 permissible use -never gave permission to furnish my credit report 1666b Timing of payments - Can not report a late payment on a open end Credit Account Section 602 States I have the right to privacy 15 usc 6802 obligations with respect to disclosure of personal information ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 usc 6803 Disclosure of institution privacy -At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans were in forbearance until the month of XX/XX/XXXX. In XX/XX/XXXX however I took 2 summer classes which should have put my loans in a deferment status. Navient has not reported since XX/XX/XXXX the correct status thus a 40 point drop in my credit score. When I called them they said its now in deferment as of XX/XX/XXXX and will reflect on my future report however I will not be able to get those points back. They stated the information was delayed but on their part in updating me being in school.
Product: Debt collection

Ocwen Loan Servicing, LLC submitted documents in which it claimed it was the beneficiary of the deed of trust # XXXX XXXX and revealed it acquired the servicing of the account from XXXX XXXX XXXX.

Ocwen is not a mortgage lending business which finances or refinances debt secured by an interest in real estate and acquired an account that is what specifically?

Require Ocwen Loan Servicing, LLC to reveal the " property '' that it had a lien against involving the foreclosure it held in and around XX/XX/XXXX. Specifically state if the " property '' it sold was 1 ) personal property or 2 ) real estate, land and building, immovable property.

The issue is that the holder of the note named by Ocwen as XXXX XXXX did not receive a " pay off '' after the purported foreclosure and XXXX is not the beneficiary involved in the deed of trust # XXXX XXXX. 
I would like to point out that : 1 ) FDIC has confirmed that deed of trust # XXXX XXXX was not a part of XXXX XXXX, XXXX. XXXX asset when it closed its doors in XXXX. 
2 ) XXXX XXXX XXXX admits it has no records of the docs Ocwen presented as being a part of the loan transaction. 
3 ) There is no such acquisition from XXXX XXXX, XXXX. to XXXX   XXXX  XXXX a division of XXXX XXXX  XXXX  involving an interest in real estate, land and building, immovable property.