23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After Hurricane Irma Wells Fargo contacted us and told us that we could opt into a Federal protection act that we could use up to 3 months of our mortgage payment to pay for repairs around the house. Then after 3 months with no payments we would make 3 on time payments and they would send new mortgage paperwork and put the the non payments on the end of the mortgage and move forward with the new loan. Before agreeing I asked if there were any other area 's that this would affect because we have PMI insurance and we were getting ready in the up coming months to request to drop it as our home value had increased. They said no, we were protected under the Federal Act and no other area 's would be affected. We agreed to enter into the Act, and we fixed up the damage to our property. I called Wells Fargo in XX/XX/XXXX to inquire about the process to drop our PMI. They sent me a letter with our options and we went with the option to pay {$500.00} of our own money to get an appraisal in hopes that we were at a high enough value that the PMI would drop. The appraisal came back ( in early XX/XX/XXXX ) and we were well above the necessary value to drop PMI. I spoke with our preservation specialist at Wells Fargo at that time and he said the new loan documents would reflect the PMI being dropped. This process would take us through the month of XX/XX/XXXX, but I said ok and we followed the necessary steps to stay compliant with the act. We made our 3 on time payments and got our new loan paperwork. By this time they have transferred our case to 5 different preservation specialist. The new loan paperwork comes in with PMI and it's not correct. I start calling Wells Fargo and our preservation specialist and I get transferred to mulitple deparments and several more people that all tell me they will help me get this resolved. It is now XX/XX/XXXX and not only has Wells Fargo not dropped my PMI. They have collected all year my mortgage payments with PMI ( that's 5 payments of {$220.00} a month extra we should be saving ). But they refuse to use the appraisal we paid for last year, that was through THEIR approved vender, not someone we choose and keep dragging their feet. I have absolutely no resolution in sight and keep getting the run around with them. Today, I get a notification from my bank that a pre authorized payment to Wells Fargo was deducted in the amount of {$520.00}. I have absolutely no idea what this charge is for, nor did I authorize it. So in my opinion this is FRAUD. My only chance of having a resolution is now making complaints as this has gone on for over 7 months and they are now deducting money out of my account with out permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Consumer ID : XXXX 1 ) XXXX XXXX XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX Account # XXXX 3 ) XXXX XXXX Account # XXXX Dear Sir or Madam : It's definitely frustrating to be charged for something you believe isn't fair. I am writing to dispute a billing error in the amount of {$0.00}, {$910.00}, {$730.00} on my account. The amount is inaccurate because I believe my consumer report contains inaccurate information. I would like to submit a dispute of that information to the checking account reporting company. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
Enclosed are copies of [ use this sentence to describe any information you are enclosing, like Consumer Report supporting my position. Please investigate this matter and correct the billing error as soon as possible. 

Sincerely, XXXX XXXX
Product: Debt collection

I keep getting calls from various numbers every so often ( over the last 4 years ) they will call under a different name and with threats from a public server that I will be served at home or work withing 24 hours. They have also contacted my ex-husband and mother-in-law continuously.. when i ask the name of the company and address, they give me nothing but today a person named XXXX XXXX called and said he will serve me within 24 hours. I am not sure if this dead debt is being tossed around to several collections companies every so often ... ..I need them to produce info, take me to court or something, but I just keep getting harrassed and no info from them. here are XXXX of the numbers that called me today from the same place ( XXXX ) ; ( XXXX ).
Product: Debt collection

According to my XXXX and XXXX credit file, NCC started reporting this non-validated debt in XXXX. I have sent multiple letters requesting that they either validate the debt or remove these entries from my credit file. They have done either. This debt remains on XXXX the aforementioned agencies. Some of these letters were notarized. The dates these were recently mailed were on XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; and as recently as XXXX XXXX, XXXX. The item was removed from my XXXX report dated XXXX XXXX, XXXX. I have never been notified of this debt.
Product: Mortgage

In XX/XX/XXXXWe were lured into a negative amortization loan, as we are not mortgage experts. 5 years later, in XX/XX/XXXX when our mortgage increased by XXXX per month ( XXXX to XXXX ) we tried to sell our home. We were not successful because this was when the housing market crashed. Then we approached our mortgage company for a loan modification. They denied us. After making 1 payment, We were unable to continue to pay XXXX a month so we stopped paying our mortgage. Through all the court dates, in XX/XX/XXXX our mortgage company offered us a payment plan of XXXX per month. We were able to make that payment for 6 months at which point, our mortgage company increased the mortgage to XXXX. At that point we could no longer continue that payment. We have met with mediators and lawyers and continue to try and get a modification for loan. I have been a teacher for 32 years in a priority school district and my husband is XXXX. We have XXXX children ages XXXX-XXXX. We have been asking XXXX XXXX XXXX for help us find a reasonable payment to stay in our home. We built this home with money that we saved for many years. We are not trying to avoid paying our debt, we just need help.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of Accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. 

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 Account # XXXX  15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 6802, which you can include and state that you DID NOT receive the required opt-out notice when you created the account being reported ( they never give you the opt-out notice ). You have a right to opt out of any non-public info reporting.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written consent 15 U.S.C. 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions for crimes, that antedates the report by more than seven years.

15 U.S.C. 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions for crimes, that antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit card

Synchrony recorded a transaction of {$10.00} on XXXX XX/XX/2023. This account was closed in XXXX, XXXX. I am not happy with opening of closed account without my knowledge and recording transaction. 
Can you please help to take action and prevent Synchrony in recording transactions on closed accounts? 
Kind regards, XXXX
Product: Credit reporting or other personal consumer reports

I found out recently from Wells Fargo that they were going to close my account or accounts due to overdraft protection fees, that I do not recognize. So, now Wells Fargo is charging me for these fees. And, are not willing to provide me with last total amounts of my debit funds. So, I believe I still had funds on my account that were not calculated right. Due to a miss calculation of a accountant or whoever calculated the funds that I as a customer should be correctly included in my checking accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a letter to the credit bureau to validate the debt on my report being that the company was reporting two accounts. I got an updated account response when asked for deletion. I sent another letter XX/XX/XXXX to the credit bureau for deletion on both accounts for inaccurate information reporting XXXX deleted one account but not the other one I sent evidence of the inaccurate information. The other XXXX and XXXX did nothing but update the information which was inaccurate. XX/XX/XXXX I sent another letter to the credit bureau with evidence on the inaccurate information still no deletion.XX/XX/XXXX I sent a letter to SYNCB/Care to delete the account due to inaccurate information no deletion or response. XX/XX/XXXX I sent another letter to SYNCB/ CAR Care for deletion due to inaccurate information they ignored me again only to update the inaccurate information. I pulled my report again today XX/XX/XXXX and they are still reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX PXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

15 USC1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 section 602 A. states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 ; It also a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$24000.00} XXXX XXXX Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

User of secured Master Card ( Credit card ) issued by XXXX XXXX XXXX on XX/XX/2017 and banker is XXXX XXXX XXXX but unfortunately I am not been able to get my credit score. Contacted my bank and Card issuer and came to know that my account is being freeze by Credit reporting agency. Credit Card issuer not provided adequate support to resolve the issue only respond by generic letter which is vague. As part of my Initiative to resolve the issue I contacted Trans Union and created a file XXXX. As per their requirement provided all the docs e.g. copy of Driving License, Copy of SSN, Copy of Bank Statements but without resolving the issue and without providing any reasonable explanation close my file by Trans Union. Not showing helping attitude to resolve the issue, even not clearly mentioned which was the point of dispute. Hope the reporting agency will come forward to unfreeze my account that I can get Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, or Transunion ) credit report, and an erroneous late payment posted on my credit report : SXXXX XXXX XXXX XXXX  Account Number : XXXX The company is in clear violation of the law, Under 15 USC 168 1b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I DID NOT EXTEND WRITTEN INSTRUCTIONS TO FURNISH THIS ACCOUNT ON MY CREDIT REPORT. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 3 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) Subject to section 1681s-3 of this title, any -- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Moreover, the funds for my mortgage payment were available in my account on the day the mortgage was due, however the bank did not process the mortgage payment the same day the money was available causing a late payment. The automatic payment was processed 1 day after the funds were available. This caused a late payment to be reported on my credit report, and negatively impacted my credit. I have attempted to resolve this with the mortgage company and the credit reporting agencies, with no reasonable consideration to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX AUTO-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXXDate of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 2020
Product: Checking or savings account

I had a checking, savings and 2 Roth IRA accounts. a few weeks ago I got a notice that Ally decided to close my checking & savings accounts on XX/XX/XXXX - Today. So I made sure to transfer the money out of those 2 accounts. 
So today I tried to login. to my Ally XXXX accounts .. and I get the following message : Online Access Temporarily Blocked Your username is currently blocked, inactive or not enrolled. Please call us 24/7 for help. 

I called support and they tried to reset login but nothing helped. 


It seems that when they closed my checking and saving accounts they also blocked my online login and now they dont know how to resolve it! 

So now I don't know what to do to gain access to my Ally XXXX accounts.. and neither does Ally Bank!?! 

This after spending XXXX minutes on the phone with support and multiple holds and transfers they finally able to restore online access. 

Problem is, Ally Bank and Ally XXXX  are 2 separate entities but the user has the same login! so when Ally Bank closes a account and blocks online access, they are also blocking access to Ally XXXX without them even realizing it. 

Ally must correct this process cuz the same issue will continue with anyone else who has both All Bank and Ally XXXX accounts
Product: Credit reporting or other personal consumer reports

My credit report contains accounts that I did not open or approve, likely due to fraud. Please take steps to eliminate these fraudulent entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are information on my account that I have been disputing with them for the longest. The charge off/ collections most importantly. But they have said they verified the account and how when the account have been settled with the IRS and paid for little to nothing. 

15 US code 1666d ( a ) 15 US code 1681 ( 1 ) ( 2 ) ( 3 ) ( 4 ) 15 US code 1681b ( a ) ( 2 ) 15 US code 1681 ( i )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX send out an identity theft form and certain accounts have been still reporting on my consumer report that needs to be removed causing danger to my lively hood of establishing credit.
Product: Credit card or prepaid card

My husband got an alert on the Walmart app and email on XXXX XXXXThat a gaming chair for {$130.00} including shipping was purchased with my credit card number. And my husband 's name. The address of XXXX XXXX XXXX # XXXX # XXXX # XXXX, XXXX, Pa XXXX. I immediately called My Capital One Walmart Mastercard to put in a fraud claim. I then filed a police report with XXXX XXXX police. Capital One shut down my credit card that night and is looking into the fraud charge. They said it will take 90 days to close the case. I have also contacted XXXX to have the package incepted and returned to the sender of which was XXXX. Purchased through the Walmart app from the third-party seller. I am hoping this doesn't go on my credit report. I am trying to counter act this awful situation this individual has put me in.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently got a statement in the mail from the collection agency Aldous regarding a blink membership.I had XXXX in the past but paid my balance in full. Aldous collection sent me a copy of the membership agreement, and the name is the same as mine but the address is a completely different address and the method of payment on file doesnt match my checking account. 

This lead me to believe that another XXXX XXXX owes this balance, yet it is being reported under my name. I've tried to work out this confusion with Aldous directly but they were little to no help at all. 

Attached is my receipt from a XXXX XXXX  proving that I paid my balance, and the membership agreement and collections notice I got from Aldous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately