23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After I reported you my complain about the mortgage company on XXXX XXXX, XXXX, I received a payment statement for the property from the company on XXXX XXXX, it's purchase agreement was already terminated by the seller on XXXX XXXX, XXXX due to the delay by the mortgage company. The property has been on the market since the seller terminated the purchase agreement. Even the loan was never closed they have been requesting me monthly payments, it seems those activities may be same as fraud or scam?

I sent the below email to the company but no one responded except out of office inf. by one of recipients. Even I informed them to report cfpb, they still did not answered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 days ago ) To : All parties to whom it may concern : I received a statement account No. XXXX from XXXX, Better Mortgage to pay a monthly installment of {$1000.00} before XXXX XXXX, XXXX. The mortgage was never signed and closed due to the discrepancies of double charged XXXX half XXXX taxes and the seller already cancelled the purchase agreement and I had to sign roo. This is another violation of cfpb laws and guidelines, I have to report this as an additional complaint to cfpb. 

XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX I received information from you attempting to collect the above-listed alleged debt. Please be advised that I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX | May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX -- -- -- -- -- -ACCOUNT # XXXX  -- -- -- -- -- -- -- -- -- -- -- - {$75000.00} XXXX XXXX XXXX  -- -- -- -- -- -ACCOUNT # XXXX -- -- -- -- -- -- -- -- -- -- -- - {$56000.00} XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- ACCOUNT # XXXX -- -- -- -- -- -- -- -- - {$150000.00} XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- ACCOUNT # XXXX -- -- -- -- -- -- -- -- -- {$67000.00} XXXX XXXX XXXX  -- -- ACCOUNT # XXXX -- -- -- -- -- -- -- -- -- {$43000.00} XXXX  XXXX XXXX  XXXX XXXX -- -- -- -- -- -- -- -- -- ACCOUNT # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- {$19000.00} XXXX XXXX XXXX XXXXXXXX XXXX -- ACCOUNT # XXXX -- -- -- -- -- -- - {$25000.00} XXXX XXXX  -- -- -- -- -- -- -- -- -- -ACCOUNT # XXXX -- -- -- {$19000.00} All accounts listed above not mines
Product: Checking or savings account

Valley Bank of XXXX issued a cashier 's check to me personally, in my name, in XXXX. The cashier 's check was lost before being cashed when I moved out of the State of XXXX in XXXX I contracted Valley Bank in XXXX  and XXXX multiple times, asking the bank to instruct me how to cancel the lost, uncashed, cashier 's check in the amount of {$30000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No one responded even though several banking representatives at the XXXX XXXX, XXXX and XXXX XXXX branches repeatedly promised they would research the issue and work to resolve it. Three weeks ago, in XXXX XXXX, I received a telephone call from an employee of Valley Bank, stating that if I did not cash the cashier 's check promptly, that Valley Bank was going to send the {$30000.00} to the State of XXXX  as unclaimed funds. I told the bank employee that I had been trying for well over a year to have the bank instructed on how to replace the expired and lost cashier 's check. This employees stated that he would research the solution to the issue and instruct me how to proceed to have the old, expired cashier 's check replaced. He never followed up on this promise. I spoke last week to XXXX at Valley Bank and the same promise with no call back or resolution.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the inaccurate and outdated information on my credit report, despite my repeated attempts to rectify the situation. I have sent four separate letters to all three major credit bureaus- XXXX, XXXX, and TransUnion - requesting the update of my personal information, including my address, phone number, and employment details. Additionally, I have explicitly instructed them to remove any old and fraudulent information that is currently being reported on my credit report. 

It is disheartening to see that my efforts to correct these discrepancies have been unsuccessful thus far. I firmly believe that having multiple addresses, phone numbers, and places of employment listed on my credit report creates a distorted image of my financial stability and creditworthiness [ 1 ]. This inaccurate representation can have serious consequences when applying for loans or seeking financial opportunities. 

I have taken the necessary precautions to verify my identity by including copies of my driver 's license, social security card, utility bill, and a notarized letter. These documents serve as undeniable proof of my identity and should have been sufficient for the credit bureaus to validate and update my personal information accordingly. 

Furthermore, the presence of outdated and fraudulent information on my credit report not only undermines my financial standing but also raises concerns about potential identity theft or fraudulent activities [ 4 ]. I have diligently followed the recommended steps of disputing these erroneous entries, yet my requests for their removal have been overlooked or ignored. 

I am reaching out to the CFPB in hopes of resolving this matter promptly and effectively. It is crucial that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of credit reports. I kindly request your intervention to investigate this issue thoroughly and ensure that the credit bureaus take the necessary steps to update my credit report with accurate and up-to-date information.
Product: Credit reporting or other personal consumer reports

auto loan XXXX XXXX XXXX XXXX show account Dispute FCRA consumer disagrees
Product: Checking or savings account

On XX/XX/XXXX I received a wire of XXXX dollars from XXXX XXXX. She owed money to a friend of mine that asked if it could be placed in my account. I told my friend ok an I would give it to them. XXXX XXXX sent the money herself. Now I get a call yesterday XX/XX/24 from someone in the fraud department from wells Fargo claiming I commited fraud when I did not. XXXX put the funds in my account on her own. I should not be penalized for her claiming she did not authorized the transaction when clearly she did. Now my account with wells Fargo that in just opened is going to be closed leaving me with no access to my own money. Which is not fair what I do with my own money is no ones business. The lady who called me claims I scammed XXXX which I did not. Please help me reverse this. I can't open any bank accounts withother banks because of this
Product: Credit reporting or other personal consumer reports

The Company NCD Financial LLC is showing as an open account for over 2 years and it should be a closed account. This information is inaccurate! Also it is only showing on XXXX and not the other agencies of XXXX and XXXX. The company is NCD FINANCIAL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXXXXXX 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 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 months that are reported late 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 XXXXXXXX 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: Debt collection

XXXX has been illegally attempting to collect an alleged debt from me, including by sending letters and by filing a lawsuit in XXXX XXXX XXXX Court XXXX No. XXXX ), even though the debt is barred by the applicable Statute of Limitations. 

I have provided XXXX attorney, XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX law firm, with a copy of the original contract, showing that the alleged debt is governed by a choice of law provision that makes State of Nevada law applicable to the contract at issue. Nevada Statute of Limitations ( SOL ) is four years on credit cards ; however, the debt was approximately 5.5 years old when XXXX attempted to collect the debt by filing the lawsuit. 

XXXX XXXX, and thus XXXX, has not responded to my email sent to him on XXXX XXXX, XXXX, asking him to dismiss the case with prejudice. Nor has the case been dismissed to date. In the email, I advised him that I had sent him a copy of the original contract, under separate cover by mail. I also provided him with information about how to access a second copy of the contract using the CFPB Credit Card Agreement database. 

Exhibit A - Original XXXX contract from my records, showing Nevada choice of law provision on page 4 ( APPLICABLE LAW ). 

Exhibit B - Copy of XXXX version of same contract from CFPB database, which also contains same provision. 

Exhibit C - Letter from HSBC showing that last payment on account was apx. 5.5 years prior to the filing of the lawsuit. 

Exhibit D - Printout showing ongoing lawsuitXXXX XXXX XXXX XXXX XXXX No. XXXX ) Exhibit E - Email to XXXX XXXX XXXX to which has not been any response to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 2 accounts that are listed on my credit report for 6 months. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX 
{$420.00} XXXX, Experian and XXXX fail to provide actual legitimate verification. 

Please provide the bill of sale/transfer related to this debt. 

This reported account is inaccurate and can not be substantiated.
Product: Mortgage

Engaged with QuickenLoans/Rocket Mortgage on XX/XX/XXXX, the last day of their end-of-year 'special sale '. Stewardship on the uickenLoans/Rocket Mortgage side provided by one XXXX XXXX XXXX. She impressed me with how their electronic system is set up, and how fast they can move because of that. We agreed that mine was a challenging scenario but Ms. XXXX was able to run it through the echelons and come back with a pre-approval the same day. She also offered a pricing package that was reasonable. 

Then she ordered an appraisal. 

The appraisal was conducted on XX/XX/XXXX, results delivered on XX/XX/XXXX on the RocketMortgage portal. The appraisal came under the 'street value ' for the neighborhood but still with a good loan-to-value proportion. 

Then the RocketMortgage portal informed me that a second appraisal was conducted for my property, and the results were posted on the website. Neither QuickenLoand nor Rocket Mortgage notified me of the requirement or possibility thereof for a second appraisal. The second appraisal was conducted by the same appraisal company/ agent, and the agent put in a closing note that the lender, i.e. QucikenLoans/ RocketMortgage directed him to specific addresses in the neighborhood against which to compare my property. 

Accordingly, the second appraisal came in way lower than the first one, and by that token the loan-to-value proportion changed significantly. 

That procedure did not seem fair, therefore I advised QuickenLoans/Rocket Mortgage in writing on XX/XX/XXXX of my decision to cancel the refinance application on the grounds of a corrupt appraisal process. I also asked for a refund of the costs of the appraisal amount of {$500.00} charged to my credit card. The lender did not acknowledge my cancellation notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and noticed that there are unauthorized inquiries between the XXXX credit bureaus. 

It appears as if on XX/XX/XXXX someone tried to apply for lending in my name with all three bureaus. 

As you can see, I have a very limited and responsible credit profile. 

I disputed this with the bureaus on XX/XX/XXXX and all letters were received XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX and never got any response back. 


I have asked the bureaus to either validate or completely remove these inquiries and they have not done so. This has been 2 months now. They are coming up as mortgage companies and I have never applied for a mortgage before, have never even considered it. It is the only inquiry on my credit report in the recent future, I applied for a XXXX charge card right before, that is the last valid inquiry on my report. 


XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report regarding an auto loan account ( Account XXXX XXXX ). Upon reviewing my credit report, I noticed several discrepancies that need to be corrected. The details of the disputed information are as follows : 1. Date Opened TransUnion reports XX/XX/XXXX, while Experian states XX/XX/XXXX. This needs to be verified and corrected for consistency. 
2. Balance TransUnion lists {$14000.00}, whereas Experian reports {$14000.00}. The accurate balance should be confirmed. 
3. High Credit There is a significant difference in reported high credit between TransUnion ( {$24000.00} ) and Experian ( {$13000.00} ).

4. Loan Term ( Number of Months ) TransUnion shows 72 months, while Experian incorrectly lists 0 months. 
5. Date Last Active The reported dates are inconsistent : XX/XX/XXXX ( TransUnion ) vs. XX/XX/XXXX ( Experian ). 
6. Date of Last Payment TransUnion states XX/XX/XXXX, but Experian reports XX/XX/XXXX. 

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] These discrepancies could negatively impact my creditworthiness, and I kindly request an immediate investigation and correction of these errors. Please provide documentation verifying the accurate details or remove any unverifiable information from my credit file. 

I have attached a copy of my identification Please respond to this dispute within the 30-day timeframe as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. I look forward to your response confirming the corrections. 

Sincerely, XXXX XXXX
Product: Debt collection

Subject : Debt Collection Activity Related to Identity Theft Company Involved : XXXX XXXX XXXX XXXX XXXX Nationstar Mortgage, LLC Description of the Complaint : I am filing a complaint against the XXXX XXXX XXXX XXXX XXXX for pursuing debt collection activities related to an FHA loan that was fraudulently created in my name without my permission. This loan, numbered XXXX, was initiated by Nationstar Mortgage, LLC, acting as an agent for XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX. 

Details of the Incident : Identity Theft : The FHA loan mentioned above was established using my personal information without my consent. I did not apply for or authorize this loan, which constitutes identity theft. 

Foreclosure Attempt : XXXX XXXX XXXX XXXX  XXXX and Nationstar Mortgage, LLC attempted to foreclose on my homestead using this fraudulent loan. This action was taken despite the fact that I had no legitimate connection to the loan. 

Credit Report Discrepancy : In XXXX, the fraudulent loan was removed from my credit report as a result of being identified as a fraudulent account. Despite this, I continue to face debt collection activities from XXXX XXXX XXXX XXXX XXXX related to this loan, which I believe is illegal and unjust. 

Lack of Resolution : I have attempted to resolve this matter directly with the XXXX XXXX XXXX XXXX XXXX but have received no adequate response. Their continued pursuit of debt collection regarding this fraudulent loan is causing me significant distress. 

Requested Resolution : I urge the CFPB to investigate this matter thoroughly. I request that the XXXX XXXX XXXX XXXX XXXX cease all debt collection activities related to the fraudulent FHA loan in question. Additionally, I ask for assistance in ensuring that my rights as a consumer are upheld, and that any necessary corrective measures are taken to prevent further harassment..
Product: Debt collection

Diversified Consultants continues to call my cell number although I have told them on XXXX occasions that the person they are trying to collect a debt gave them my phone number in error. I have explained that this could not have the person 's number in the past because I 've had the same cell number for over 15 years. Today they called again, misrepresented themselves, and hung up when I told them it was the wrong number. I 'm reporting this company as I can only assume other consumers have had problems with the company.
Product: Consumer Loan

I bought furniture through Conn 's and financed it through their company for a period of 31 months @ {$230.00} dollars a month. Conn 's has arbitrarily elected to change the terms of our contract without my consent and increase the term of payments by 4 months. Conns is attempting to make me pay {$940.00} dollars over and above the {$7300.00} dollars I contracted to pay. This is a breach of contract and illegal, with them threatening to ruin my credit if I do n't pay. I have asked for proof of the approved extension and they admitted they had none, during a call I had with their representative on Saturday XXXX XXXX @ XXXX XXXX. I am asking that CFPB take action to protect this consumer from predatory and illegal lending practices.
Product: Credit reporting

I have disputed this through all XXXX credit agencies. I had a XXXX credit card. It was paid off and settled. XXXX still sold the debt to XXXX XXXX and they are still trying to collect on me since XX/XX/XXXX from XXXX and Since XX/XX/XXXX for XXXX XXXX. The account balances are completely different and the debt was paid off to XXXX before ever going to collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Besides, the inaccurate information about my inquiries and personal information are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries and personal information that are still reporting on my account : Inquiries : XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391.  Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having onXXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their
Product: Debt collection

I did not apply for this loan. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the item that are still reporting on my Credit Reports and need to delete completely from my Credit Report : Chapter XXXX Bankruptcy Reference # : XXXX