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

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL - DATES DIFFER FROM TRANSUNION XXXX XXXX XXXX XXXX XXXX OPENED-DATES DIFFER FROM TRANSUNION, XXXX XXXX XXXX XXXX AMOUNT SHOWN AFTER CHARGEOFF HIGH CREDIT-AMOUNT DIFFER FROM TRANSUNION, XXXX & XXXX PAST DUE- AMOUNT SHOWN AFTER CHARGEOFF LAST REPORTED- DATES DIFFER FROM TRANSUNION, XXXX & XXXX DATE LAST ACTIVE- DATES DIFFER FROM TRANSUNION XXXX XXXX & XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX complied with this requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the cosigner on my daughters car with Ally Financial. In XXXX she broke her leg taking her out of work for months. She became delinquent on multiple accounts including this note. In XXXX the car was repossessed and she file bankruptcy to get her car back. She is under a repayment plan with her attorney to pay XXXX biweekly toward this car. The bureau XX/XX/XXXX is reporting my account delinquent 120 days even this month of XXXX but reported XXXX and XXXX current. Per the Metro 2, Unlike a Chapter XXXX, Chapter XX/XX/XXXX bankruptcy allows you to protect cosigners and joint account holders through a codebtor stay while paying off the cosigned obligation in your repayment plan. Ally has disagreed with this finding and is continuing to hit my score dropping by 38-40 point monthly. They have an amount. {$2600.00} past due as of XX/XX/2019. The account should only be delinquent for XXXX and XXXX prior to her filing.
Product: Mortgage

My mortgage was acquired by Wells Fargo about two years ago. I do not escrow taxes nor insurance. Ever since Wells took over my mortgage, they have harassed me incessantly about homeowners insurance coverage. Wells makes up dates of insurance lapse, which are simply inaccurate. This harassment occurred throughout XXXX, XXXX, and now continues into XXXX. 

Wells charges me for an insurance policy they procure ; twice now I have paid their insurance add on premium, the most recent being XX/XX/XXXX. 

To be sure, my insurance agent has faxed to Wells, on at least 20 occasions, proof of coverage, and no lapse. I receive letters from Wells stating that my insurance is found to be intact with no lapse, yet Wells continues their pattern of harassment and fraud. 

I myself have faxed Wells several times over the last two years proof of uninterrupted insurance coverage, have been on several hours of phone calls, some admitting no lapse, yet the harassment and fraud continues. 

On XX/XX/XXXX I went to my Wells branch. The private banker called mortgage services and insurance dept to help me straighten it all out once and for all. He advised me that all was intact with my insurance and to make my mortgage payment without their insurance premium add on. However, that day when I made my mortgage payment, I was not allowed to exclude the added insurance premium, and so I paid the entire amount to keep my mortgage payment current. 

In my history of doing this with Wells, it takes two to three months to get back a refund of their fraudulently collected insurance add ons. 

I will no longer sit silently as Wells defrauds customers, such as me, falsely claiming insurance lapses, despite the fact that they receive proof of uninterrupted coverage in tens and tens of occasions. 

This is clear harassment and fraud. I want it to end and there should be consequences for Wells Fargo insidious practices.
Product: Mortgage

Cross country Mortgage have refused to issue a payoff letter so I can refinance my mortgage request. My loan officer was name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All I want is a payoff statement good for 15 days so I can close on my refinance. it is cost me {$3000.00} to do a rate extension due to them not issuing me the payoff. My lender XXXX XXXX has been trying to reach them for 30 days with no response. I have tried for 2 days with no return calls. something is not right. Please call me. XXXX XXXX XXXX
Product: Mortgage

In 2013, PHH Mortgage no longer accepted the mortgage payments and failed to produce the originating documents. Due to this, the property is now in active foreclosure and I am not the debtor, the home belonged to my late mother whom willed me the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific record in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account listed : XXXX XXXX XXXX XXXX : {$730.00}
Product: Money transfer, virtual currency, or money service

I sent {XXXX XXXX to some one using Zelle to the wrong person by accident and did not revive my money after asking if that person could possible send it back. Then I connected XXXX  and Zelle and both parties said that nothing could be done about it.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX XXXX, XXXX. was never late! I have had exceptional payment history witH 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 those account 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.

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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Experian continues to violate 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. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have filed multiple disputes about the following closed account. This is NOT my account. 

Account number XXXX This account is not mine. 

I have also contacted the above company and they told me to contact Experian yet Experian refuses to comply with the removal. 

This information is erroneous and against the law. I demand it please be removed immediately.
Product: Credit reporting or other personal consumer reports

The privacy ACT of 1974 covers this complaint. 
credit card and all the secondary reporting agency 's XXXX, experian, XXXX checks systems ; are reporting false and inaccurate PUBLIC & PRIVATE information including removal of checks and inquires. and knowing it is unlawful to REPORT ANY TRANSACTION ON A CONSUMER FILE.15 1681-.16cfr433.1.2 also committing language fraud 17cfr 424 all these violations are also prohibited under the ( FTC act ) 15usc45 prohibits 'unfair deceptive acts and practices affecting banking commerce & consumers in the normal course of commerce.also maybe i need to mention and remind the CRA 's CREIDIT CARD COMPANYS & BANKS ABOUT ( 5 u.s.c 522.a ) which refers and states the facts of ANY RECORDS MANTAINED ON ANY INDIVIDUALS.I am not even gunna begin to dive or discuses all the security fraud that has been committed in my name in this report there wouldn't be enough space to do so. but don't think its not going to happen in the very near future.so herein this report there is XXXX or more charge offs and XXXX hard check removal 's that have been removed from XXXX and not others there needs to be few more hard checks removed as well from all CRAs. so all the charge offs and removals of hard checks and all derogatory comments need to addressed immediately!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I have not been able to view a recent copy of my credit report nor am I unable to view my recent equifax credit score. This has been going on for months and equifax has not fixed the issue. I demand equifax to fix my credit profile because it is affecting me from obtaining lines of credit. This a horrible customer service on their parts and I expect for Equifax to fix this issue. Please see attached screenshots.
Product: Credit card or prepaid card

USAA increased the interest in XX/XX/2018 on a closed credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many dispute letters and CFPB Complaints do I have to submit to the Credit reporting Agencies to have the disputed fraudulent account and information deleted from my Credit File. It has been a battle going through this and I am submitting yet another CFPB complaint to request to the Credit Bureaus to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. Once again, please delete the following accounts and information completely from my Credit File as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX FI XX/XX/2020
Product: Credit card or prepaid card

Re : CFPB Complaint # XXXX I previously lodged the above complaint with CFPB relating to Comenity Bank 's failure to fully close my BJ 's credit card. This morning, I tried to add the latest chapter in this painful saga to my online CFPB complaint history. I was absolutely astounded to find that CFPB marked my complaint as " CLOSED, '' which should mean that the issue was resolved to my satisfaction. I find it impossible to believe that anyone at CFPB actually read my responses to its questionnaire. If they had, it would have been very clear that there were still lingering issues : 1. Comenity sent me yet another email ( received on XX/XX/2022 ) announcing that my account statement was available for viewing. If the account had been fully closed, there would be no need to email that announcement to me 2. I'm still able to call Comenity Bank ( XXXX ) and hear a recording stating that my full credit limit is available. 

3. I also received a ridiculous letter from Comenity Bank dated XX/XX/2022. It mentioned that they issued a temporary credit to my account, despite other correspondence confirming that the corresponding prior dispute had been resolved more than a year ago. 

WHAT WILL IT TAKE TO GET COMENITY TO COMPLETELY SHUT DOWN THIS ACCOUNT??? 

CFPB must either reopen my original complaint or establish a new one with a new number and follow through on its consumer protection role.
Product: Bank account or service

Ally Bank turned me down for deceased relative ( s ) debts. I owe no debts. Yet, the bank stated in their letter to me that since I have " outstanding debts '' I was turned down for a 1 % online savings account. There is no need to refer this complaint to another agency, I think XXXX is a flawed system for banks to use, and very few do n't use that to check potential banking clients credit, check history.
Product: Credit reporting or other personal consumer reports

XXXXTo begin, I would like to ensure you have and ONLY sustain existent, TRUE, CORRECT, COMPLETE, and MANDATED reported details Pursuant to FCRA regulations, any and all others that may be recited now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul until adequate and provable and immediately any and all flawed of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it proper or unknown! Again, I DO NOT AUTHORIZE you to misreport any misinformation now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles.

( a ) I do NOT have any preconditioned to be OTHER NAMES or aliases and I do NOT have compliant-like salacity of or for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( b ) I do NOT have any required OTHER present addresses and I do NOT desire any OTHER ADDRESSES to be retained o r reputed, if ANY omit NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( s ).

( c ) I do NOT have any mandated OTHER SSNs and I do NOT covet any OTHER SSNs to be retained or believed, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT long for any OTHER Dates of Birth to be retained or communicated, if ANY efface from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( e ) I do NOT have any needed telephone numbers and I do NOT have wish for any telephone numbers to be retained or disclosed, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s ).

( f ) I do NOT have any employers and I do NOT yearn for any employers to be retained or made known, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( g ) I do NOT have any spouses/roommates/co-applicants and I do NOT have ambition for any spouses/roommates/co-applicants to be retained or described, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( s ).

PLEASE SEE THE PICTURES ON ATTACHMENTS
Product: Debt collection

Hello my name is XXXX and I am having problems with Midland Funding..Midland Credit Managements and the other names they use. 
I was not aware of the debt until several years ago when I received a garnishment notice from my employer. 
This amount was subtracted from my paycheck weekly including any taxes. 
I have not received any satisfaction of judgement letters. Recently I purchased my home and before closing I was advised that this debt was not settled and it was holding back my closing. 
Apparently Midland Funding purchased the debt and claims it was never settled. 
To avoid losing the home i waited so long for ; I made Midland an offer of if XXXX and they accepted. On X/XX/17 I sent them the amount and they cashed the check. 
Now I need them to send me a satisfaction of judgement letter to give to the attorneys who handled the purchase and closing of the home. Money was held in escrow to show good cause. The sum it XXXX. Without this satisfaction letter I can not get back this money. It 's being held by XXXX XXXX. 
I had our attorney intervene and try to speed up the process yet nothing from them. We, my wife and I along with our attorney has been constantly given the run around. It 's either call back tomorrow ; call back in one hour ; no one is in that department ; can not locate the file ; all sorts of excuse. 
They cashed the check and was paid 2 times. 
I have even asked to speak with a supervisor. He is never available or he gives me the same answer. 
My wife is XXXX and I need this money to help us move into our new home. 
It will move things along more quickly before the weather changes Please help us. 
I have nowhere to turn.. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX NA XX/XX/XXXX CAP XXXX NA XX/XX/XXXX ; CREDIT XXXX BANK NA XX/XX/XXXX ; CREDIT XXXX BANK NA XX/XX/XXXX ; XXXX XXXX XXXX XXXX CITY, CA XXXX ; XXXX OUTSOURCING ( Original Creditor : SPRINT ) XXXX Balance : {$420.00} ; XXXX XX/XX/XXXX ; CAPITAL XXXX XX/XX/XXXX ; CAPITAL XXXX XX/XX/XXXX ; XXXX BANK XX/XX/XXXX ; XXXX BANK XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge, I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$440.00} SXXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX {$440.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX   XXXX XXXX XXXX {$480.00} XXXX   XXXX {$110.00} XXXX XXXX XXXX XXXX {$590.00}
Product: Credit card or prepaid card

This is an Unemployment Benefit FRAUD claim XXXX XXXX/2020 I received a US Bank XXXX card from the Colorado Department of Labor . I am not a resident of Colorado. I am also employed and did NOT apply for this card. I have been trying to get intouch with the bank USBANK and there is no option for fraud to cancel the card. Voicemail options are limited and I didn't want to accidentally authorize the card. Frustrating, honeslty, that you can't speak to a person and then VM hangs up on you. 

I don't know how filing this complaint is going to help me turn this card off. 

The CFPB has given me phone numbers to call to investigate identity theft. I am doing all of that next.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax concerning their failure to address the inaccuracies on my credit report, despite my documented efforts to rectify the situation. 

On XX/XX/2023, I sent a dispute letter to Equifax via mail requesting an investigation into inaccurate items on my credit report. These inaccuracies have had adverse effects on my financial standing and credibility. In addition, I disputed incorrect personal information listed on my credit report. 

Despite my efforts to comply with the Fair Credit Reporting Act ( FCRA ) guidelines and provide all necessary information, Equifax has failed to acknowledge or act upon my dispute within the legally mandated time frame. I did not receive a response back from Equifax with the investigation results. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to Equifax as proof. I am now demanding Equifax immediately and permanently remove the disputed items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2002 I have an XXXX  report of a {$6100.00} payment with Capital One never paid and closed. 

I called the company, Capital One and they do not have my social security on file with Capital One. XXXX  reports I never paid Capital One and I never owned this card. 

XXXX XXXX XXXX