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

My Wells Fargo Auto Loan was reported late payment on my credit report for the months of XXXX and XX/XX/2020, Which is a mistake. because of that my family life is about to fall apart, I am in the process of buying the house because of that we got stuck, i keep calling to Wells Fargo at least to email me the letter as the account wasn't late they keep promising to email me but nothing happened over two weeks. it's very unfortunate now I am suspecting because of my accent as an immigrant they thought I can't do anything or I don't know. 
Please help me and my family before things get worse, i already give notice to my apartment and get stuck. if you want to get the proof i can email you all the mortgage documents. 
Thank you and Looking forward to see you Help! 
XXXX XXXX Wells Fargo Auto Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is " XXXX XXXX ". I have been trying to report inaccurate items in my credit report over past year and more often recently. However, none of my request are fulfilled. 
**Hard inquiries** _XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX This charge off account is not mine, Please delete it!! 
_ XXXX XXXX Inquiry : XX/XX/XXXX I have never receive any credit from this company, provide me full document or delete it!!! 
_XXXX XXXX XXXX  Inquiry : XX/XX/XXXX This charge off account is unauthorized and date furnisher provided has violated Metro 2 reporting compliance by not reporting dispute status and incorrect and inconsistent Account Number. Provide me full document. I demand report of full reinvestigation procedure in the regulation time frame of 30 days. 
_XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX THIS ISN'T MINE, DELETE IT!!! 
_XXXX XXXX  XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING dispute status. 
_XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX This account is mine, DELETE IT!! 1 _XXXX/XXXX  Inquiry : XX/XX/XXXX THIS CHARGE OFF ACCOUNT IS NOT MINE, PLEASE DELETE IT!!! 
_XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX This account is not mine, delete it!!! 
_XXXX/XXXX  XXXX XXXX Inquiry : XX/XX/XXXX I have never worked with this company, this account are inaccurate, delete it!!! 
_XXXX  XXXX XXXX Inquiry : XX/XX/XXXX This account is not belong to be, i never receipt any credit from this company, DELETE IT!!! 
_XXXX/XXXX  XXXX XXXX Inquiry : XX/XX/XXXX This account is not mine, delete it!!! 
_XXXX  XXXX  XXXX  Inquiry : XX/XX/XXXX This account is not mine, There are several account like this in my credit report. The credit bureau might intentionally put them in my report. 
_XXXX  XXXX XXXX  : XX/XX/XXXX This charge off account is not mine, provide me full documentation proofs that i am wrong or delete immediately!!! 
_TRANS UNION RENTAL SCREE Inquiry : XX/XX/XXXX This account is not mine, DELETE IT!!! 
**Collection** _XXXX  XXXX  XXXX  Reported : XX/XX/XXXX I never received any loans or credit from this company. DELETE IT!!! 
_XXXX  XXXX XXXX XXXX  : XX/XX/XXXX I never received any loans or credit from this company. Delete it or provide me full information and proofs that you has follow all the FCRA laws. 
_XXXX XXXX XXXX Reported : XX/XX/XXXX THIS ISN'T MINE. DELETE IT!!!
Product: Debt collection

I XXXX XXXX have never signed a HIPPA release form with XXXX XXXX or XXXX therefore these are clear HIPPA violations and I want these deleted immediately from my credit ; HIPPA laws protect my personal medical information from being used without my consent and you are now aware of the clear HIPPA violations please delete immediately.
Product: Credit card or prepaid card

I purchased an airplane ticket from XXXX XXXX for {$250.00} on XX/XX/XXXX with my citi costco  anywhere card. This flight qualifies for the Trip cancellation benefit from the citi costco  anywhere card. 

The citi costco anywhere card removed Trip Cancellation benefits on XX/XX/XXXX for purchases on that date or the future. 

When I learned of XXXX XXXX going out of business I called XXXX XXXX at XXXX on XX/XX/XXXX and XX/XX/XXXX and it didn't connect. I called at a different time and left a message but I never received a call back. 

Since XXXX XXXX was going out of business and I wasn't going to be able to travel with them I disputed the charge with citi bank on the phone on XX/XX/XXXX for Goods / services never received. I provided all the necessary details. 

Citi provided a conditional refund. 

Unknown to me, citi said they sent me message on their website on XX/XX/XXXX saying they needed more info. I didnt respond to this because I didnt know they sent a message on their website. 

On XX/XX/XXXX citi sent a letter saying they closed the dispute in XXXX XXXX favor even thou they were going out of business. They took back the conditional refund. 

Citi bank never called or sent me a piece of certified mail asking for more information about a company that was going out of business. On XX/XX/XXXX I logged and saw the notices from the XX/XX/XXXX and XX/XX/XXXX. I chat with an agent and they said to email citi at billingdisputes@citi.com. I sent them an email stating I never received their website notice. On XX/XX/XXXX I called since I hadnt heard an answer, XXXX on the phone said she has never heard of XXXX XXXX and couldnt help since it was past the time alotted. 

I had to purchase a new ticket ( {$560.00} from XXXX on XX/XX/XXXX ) for more money than I originally purchased from XXXX XXXX to repair my travel plans. 

Since I did not receive their travel services due to them no longer operating, I expect the cost of the new flight to be covered {$560.00} per the trip cancellation benefit that was valid on XX/XX/XXXX.
Product: Mortgage

United Wholesale Mortgage is withholding {$9100.00} in escrow annually, but my property taxes and homeowner 's insurance only total {$6400.00}. They will not lower the monthly escrow payment and they will not allow me to pay tax and insurance on my own. XX/XX/2020 they made a random tax payment of XXXX with no explanation. They made the most recent property tax payment over two months late, and only after I asked them to make the payment multiple times. They only respond with form letters that don't answer any of my questions.
Product: Credit reporting or other personal consumer reports

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX  XXXX inquiry date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have tried numerous times for the past many years to get Experian to stop reporting on my credit file an account associated with Identity Theft. This is the account associated with The XXXX XXXX with an almost {$29000.00} Charged OFF. The other two main credit bureaus removed this account years ago, but Experian refuses to do so claiming that they had verified the account to be valid based on what the reporting company is telling them. I have submitted ample proof from multiple police reports to court orders regarding the ID Theft and none of it has been enough for them to act and stop reporting the negative account on my otherwise perfect credit file! 

The reporting company can not provide proof that I was the one who personally opened, signed the application and charged the account, but they said it was I because my identity was effectively used to open the account. It seems that neither Experian nor the reporting company know the definition of ID Theft. Please help!
Product: Money transfer, virtual currency, or money service

In XXXX  I accidentally sent XXXX to the wrong person in cash app I tried to fix it with them but I was not able to talk to anyone and my money got lost.
Product: Credit reporting or other personal consumer reports

XXXX : OPTING OUT OF CREDIT REPORTING FOR XXXX XXXXXXXX ACCOUNT # XXXX I am writing this DEMAND LETTER to FORMALLY OPT OUT of any credit reporting for the account XXXX XXXX  XXXX XXXX XXXX consumer credit reports. THIS REQUEST IS NOT A VERIFICATION OF ACCOUNT! THIS LETTER AND COMPLAINT ARE SOLELY REGARDING MY LEGAL RIGHT TO OPT OUT OF ANY REPORTING ON MY CREDIT REPORTS. 
Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), I am REVOKING any power of attorney XXXXXXXX XXXX had or has regarding my personal, private information. According to 12 CFR 1016.1, 1016.13, 1016.14, and 1016.15, as a FEDERALLY PROTECTED CONSUMER, I HAVE THE RIGHT TO OPT OUT OF ANY REPORTING ON MY CREDIT REPORT. This letter serves as a CLEAR AND CONSPICUOUS NOTICE of my opt-out request. 
As per 12 CFR 1016.7 ( g ), YOU MUST COMPLY with a consumer 's opt-out direction as soon as reasonably practicable after receiving it. Section 12 CFR 1016.7 ( h ) states that a consumer may exercise the right to opt out AT ANY TIME. Additionally, 15 U.S. Code 6802 REQUIRES the company to provide me with an opt-out notice regarding disclosures of personal information, WHICH I HAVE NEVER RECEIVED. 
Under the Consumer Financial Protection Act of 2010 ( 12 U.S. Code 5511 et seq. ), this subchapter and the regulations prescribed are ENFORCED BY THE BUREAU OF CONSUMER FINANCIAL PROTECTION. I am EXERCISING MY RIGHT TO OPT OUT OF ANY REPORTING on my credit report, and XXXX XXXX MUST COMPLY as soon as reasonably practicable after receiving this notice. 
Given that XXXXXXXX XXXX has provided UNREASONABLE MEANS TO OPT OUT, I am submitting this OFFICIAL OPT-OUT LETTER in writing. Additionally, I REQUEST THAT ANY NEGATIVE MARKS related to this account be REMOVED FROM MY CREDIT REPORT until this matter is resolved. 

It is the obligation of the credit reporting agencies to uphold and abide by consumer law by removing negative items from my credit reports when advised to do so by the consumer! 
THIS IS NOT A REQUEST FOR VERIFICATION OR VALIDATION OF ALLEGED DEBT. THIS IS A DEMAND FOR THE REMOVAL OF NEGATIVE ITEMS ON CREDIT REPORTS.
Product: Mortgage

On XX/XX/XXXX, my wife and I went to US Bank Home Mortgage to refinance a XXXX year loan to a XXXX year loan. As part of that process, the company was supposed to notify the county I live in that the original mortgage / note had been paid off by using the same document number which was created when we first took out our mortgage in XX/XX/XXXX. US Bank, however, used a new document number and reported this new number to the county. This mortgage was then paid off in early XXXX. 

In XX/XX/XXXX, my wife and I went applied for a home improvement loan. This process stopped because their title research indicated that the county still had an open mortgage as they never received a mortgage satisfaction letter from the lender. Until this was cleared, the bank was not going to provide us with a home improvement loan. On two occasions, XX/XX/XXXX and XX/XX/XXXX, I provided US Bank with details about the loans in question ( both the original loan and the refinanced loan were through US Bank ), asking them for lien release / lien satisfaction information pertaining to the original note. 

I received a response from US Bank that the department I had contacted was not appropriate. The specific response I received was : " Hello, We would have no access to those documents. We only clear title in this department. You can try Customer Service but if its been longer then 7 years. All documents have been destroyed '' No one from that organization, it appears, did anything more than a cursory glance at my request and if it fell outside of the timeline parameters, then that's just too bad.
Product: Debt collection

XXXX XXXX XXXX  has placed a collection account on my credit reports that is not valid, nor mine. I have no contract or agreement with XXXX XXXX or XXXX XXXX XXXX at all. This originally came from XXXX XXXX.They use multiple company names and different addresses to trick you into not knowing who to respond to properly. Upon initial receipt of a notice from them I sent them a cease and desist letter for this alleged account back in XX/XX/2019. Even though I had done this they have illegally placed this collection account on my reports. I have attached a copy of the letter that I sent them originally. I have also disputed this with the credit bureaus and re-sent XXXX XXXX XXXX the cease and desist letter. These companies are both owned by XXXX XXXX XXXX and they work in tandem to confuse, trick and deceive unwitting consumers into not knowing which company to respond, reply, communicate or dispute with. I want this removed from all credit reporting accounts immediately!
Product: Debt collection

I am writing to formally lodge a complaint regarding the recent exposure of my personal information in a data breach that has compromised my credit history. It has come to my attention that my sensitive data, including personal and financial information, was affected by this breach. I am particularly concerned that this incident could have a detrimental impact on my credit report and overall financial health. 
In accordance with my rights under the Credit Reporting Privacy Code and the Fair Credit Reporting Act ( FCRA ), I request the immediate removal or correction of the following items from my credit report, as they have been impacted by this breach and do not reflect accurate or up-to-date information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Property tax exemption was approved XX/XX/XXXX by City tax assessors office. 

Loan was transferred from XXXX to Freedom Mortgage on XX/XX/XXXX with an escrow surplus. Made numerous phone calls to XXXX prior to transfer of loan, but to no avail. 

XX/XX/XXXX emailed Freedom Mortgage Customer service regarding escrow refund. XX/XX/XXXX received a generic email response referring us to " Your Loan Transfer - FAQ '' on their website. 

XXXX with Freedom  Mortgage representative on XX/XX/XXXX & requested escrow refund, in amount of {$5100.00} -- she asked we send proof that we were tax exempt - emailed copy of tax exempt letter. 

XX/XX/XXXX Spoke with Rep Id # XXXX in regards to tax exempt letter submitted - said target completion date was XX/XX/XXXX. 

Spoke with Rep. Id # XXXX on XX/XX/XXXX, notes per escrow dept ... '' our research found that your account is not being escrowed for your property taxes, but for your homeowners insurance ''. Rep. said that escrow analysis can only be run within 90 days of acquiring loan. 

Called back on XX/XX/XXXX - Rep. Id # XXXX, says since they acquired the loan, escrow analysis could be requested at 60 days. Rep ordered analysis, said the target completion date XX/XX/XXXX. 

XX/XX/XXXX spoke with Rep. Id # XXXX, claims pending tax research and unable to do escrow analysis at this time. - - - - - Requested to speak to supervisor ... ID # XXXX. Supervisor said that escrow was done on XX/XX/XXXX BUT had not been " downloaded in the system ''. That it may take a few weeks. 

In a nutshell ... getting the run around, Freedom Mortgage holding our money for no reason and seem to be stalling on processing a refund.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time of the transactions were authorized. However, due to delayed posting of charges and credits I was unfairly charged overdraft fees. 
The issues appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe this practice is deceptive and unfair.
Product: Credit card or prepaid card

Having used the Amex BlueBird card for many months to receive my monthly direct deposit Social Security payment, I received an email from them on XX/XX/2020, notifying me that the account was closed and locked because I had violated section 22-d of the User Agreement. 

I am now unable to access my account by Iphone app or direct website login. 
I called the number listed in their notification email. After waiting 26 minutes I spoke with a female rep with a very thick XXXX accent who was very difficult to understand. 
After providing all of my identifying information she read a script saying account lock and close was a " business decision '' by Amex based on section 22d of the users agreement and that I will be mailed a refund check in 7-10 business days. 
She said she was in the fraud division and that there is no confirmation number or email available to confirm our conversation. 
I called the main customer service number listed on the card. After waiting, a robot answered stating my account is locked Goodbye and ended my call.
Product: Credit reporting

Hi I just became a XXXX resident and obtained my social security number XX/XX/XXXX. I have been having such a hard time everywhere with my credit because it shows I have cars and other items since XX/XX/XXXX. This information is not correct is not me and I already went to the social security office and they said only my name is under that social security number. what else can I do? I ordering a credit report and they tell me no because my personal information does n't match my social security number. But I have all proofs is mine.
Product: Student loan

On XX/XX/XXXXXXXX  I called Aidvantage to report that my income had decreased and to have my payment re-callibrated to my income. The first agent hung up on me for unknown reasons. The second agent made a vague statement about my income being verified and that my new payment would be XXXX. 

Four months later, in XXXX of XXXX, I began receiving statements with the same payment amount as before the phone call I made on XX/XX/XXXX, meaning my reported drop in income was never considered in my payment. In XX/XX/XXXX I called Aidvantage a 3rd time but was unable to speak to a customer service rep due to their high hold times. 

I have been in contact with Aidvantage at least XXXX or 4 times over this issue and it is still unresolved. At this point the mistake seems purposeful, as to force me into making a payment. 

I DO NOT WANT AIDVANTAGE SERVICING MY LOANS ANYMORE. The only information I would like from them going forward is how to change servicers.
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXX  XXXX XXXX ACCOUNT NUMBER XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION