23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I reported several times as I was processing mortgage loans that the loans were NOT DU approved or eligible for a mortgage loan. I was told to process it anyway. Many times I found errors and the loan officer admitting to manipulating a borrowers assets to get approval on a loan when that borrower never had that money in an account. Loans were processed even though they were NOT approved and actually DENIED! I was fired after 4 months of pointing these things out! I am older and believe in honesty and not putting people in loans/mortgages that they can not afford only for them to be devastated when they get their home foreclosed on. This is a practice that needs stopped! I was promptly wrote up for job performance after being denied training ( documentation to support ) and at month 3 with the company. This was only an excuse to terminate me because I was questioning their practices.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the accuracy of a collection account that appears on my credit report. I have reviewed my credit report and found an entry from XXXX XXXX XXXX XXXX for account number XXXX that I do not recognize. I request that this item be investigated and removed from my credit report for the following reasons : Lack of Signature and Authorization : I have no recollection of ever opening this account, and I have never signed any contract or agreement pertaining to it. I request verification of my signature on the original contract associated with this account. Please provide a copy of any documents that bear my signature. 

Insurance Claim : If this account was claimed under any insurance policy, I request documentation proving this claim. Specifically, I need confirmation of the insurance policy details, the nature of the claim, and how it pertains to me. 

Verification Process : I question the methods used to verify this account without my signature. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a detailed explanation of the procedures used to verify the accuracy of the disputed information. Please provide a comprehensive account of how this collection was verified and confirmed to be valid. 

In accordance with the FCRA, I request that you investigate this matter and remove the erroneous collection account from my credit report if it can not be verified. Please notify me of your findings and actions in writing. 

Attached are copies of my identification and a recent utility bill to confirm my identity and address. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as stipulated by the FCRA. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I was the victim of a phishing scheme and Wells Fargo refuses to replace the {$3500.00} that the criminals stole from us. 

I received a call from Wells Fargo 's fraud department ( checked the number and it was the same as the fraud department number ), telling me that my account had been compromised. I stayed on the call to try to remedy the situation. While I was on the call, the criminal authorized {$3000.00} from one checking account and {$500.00} from another to be transferred via XXXX. It turned out, that it was not Wells Fargo 's fraud department, however, because the phone numbers were the same, how was I to know?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this final written letter as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED am a victim of identity theft. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. information from my consumer file. 

Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX   Account Number : XXXX Company or Organization : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Credit Inquiries XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Despite many written requests, the unverified items listed above still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? and you refuse to investigate or block fraudlent accounts reporting on my credit report which is a direct violation of 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as  required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Checking or savings account

I received mail from TD/XXXX  bank. I called the bank on the XXXXXXXX XXXX XXXX and told them I didn't receive any items so I will not be making a payment on items I didn't receive. I was told I would incur a late fee if I did not pay. I explained that I don't have the items nor did I request any services from this institution.
Product: Credit card

I am no longer able to access my Wal Mart online credit card online account. I tried calling the XXXX to get me back into my account. The online message is telling me I am entering incorrect personal information and I know it is correct. When I call the XXXX number it sends me to the collections department. I explain to them I want to go online and pay my bill and see what all the charges are. They tell me they can not access that information and I have to speak to customer service. I ask to be transferred to customer service and was sent back to collections. I explained to the rep that I would like to see my XXXX & XXXX statements but they wont let me because they 've locked me out. The collections rep tried again to reach the customer service dept and then they hung up on me. After XXXX calls I was told to by XXXX in customer service to contact another number XXXX. This was also to a collection agency called XXXX XXXX XXXX XXXX could not help me so she transferred me to her supervisor XXXX and he could not help me. They said they are only responsible for collections. All I want is access to my statements. Why cant they give me access to my statements? I do n't recall ever reading that they could lock me out of my online account. Can you please help me get access to my online account.
Product: Vehicle loan or lease

Somebody took out a car loan in my name and I keep getting letters in mail. Not sure on exact date. It was through GM Financial them nor XXXX  will help
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries placed on my credit report without my doing during XX/XX/18 - present
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I refinanced our existing XXXX XXXX  VA mortgage with another lender in XX/XX/2020. We completed the closing process and wired the required payoff to the title company within that same month. I received verbal confirmation from both the new lender and XXXX XXXX  representatives that the month 's mortgage payment did not need to be made, as a payoff request had been initiated prior. The payoff was completed, in full, and we were reported to all XXXX, XXXX, and Transunion credit bureaus two weeks later. Several unsuccessful attempts were made with XXXX Mortgage and the three credit bureaus to remove XXXX 's " late '' payment since XX/XX/2020. The credit bureaus did not objectively review the statements and documentation, only deferred to XXXX XXXX 's statement. We, as the consumers, did everything under the advisement of XXXX XXXX  and the new lender, and in good faith, and completed our obligations on time. A detailed summary is provided in the attached documents, with amplifying information and substantiating documents.
Product: Credit reporting or other personal consumer reports

I hope you're well, but I need to express some frustration. I've been trying to get my credit report from EQUIFAX, but they keep saying no. This is the tenth time I've tried, and it's really not okay anymore. I've included extra documents to support my case, like copies of my ID.
Product: Credit card or prepaid card

Good Morning I have XXXX preferred master card Last XX/XX/XXXX They sent me promotional offer of No interest Till XX/XX/XXXX and Then 10.9 % interest So my interest supposed to be charge if i do not pay off before XXXX XXXX XXXX But instead They started charging interest from the day i used the promotion I have spoke to Two different Representative one on XXXX to XXXX  and again XXXX to XXXX On XXXX when i came to know they charging interest I paid off whole balance in one payment immediately Even after paying off whole balance Following month they charging interest and i have Auto pay setup it's already paid Both time they said we will look into it and get back to you in Two Business Days I do not think they have any Interest to resolve This Last time i spoke on XXXX XXXX I have told them if we can not resolve i will have to file Complaint They just ignored i have not heard till XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Compliant ID XXXX & XXXX I have requested since XXXX of XXXX a copy of the credit agreement that obligated me to a debt the company was trying to collect. It has never received. In the company 's response dated XX/XX/XXXX and a second response dated XX/XX/XXXX, they stated that is was being mailed under separate cover. It has never been received. The company is distracting the CFPB from their wrongful actions by stating it would be provided and never providing the information. 

There is no way that two separate mailing have been mis-handled. They were never mailed. The company is blatantly distracting and insulting this process.
Product: Debt collection

Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. Cloud, MN XXXX Dear Jefferson Capital Systems, This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ) that you immediately cease and desist from any and all communication with me regarding the alleged debt account you claim I owe. 

It has come to my attention that you have engaged in repeated and harassing phone calls, sending threatening letters. These actions are causing significant distress and are not in compliance with the FDCPA, which prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct.

You are hereby required to immediately cease and desist from all further communication with me in relation to the aforementioned account ( s ). This includes, but is not limited to, phone calls, letters, emails, and any other form of contact.

If you believe I owe this debt, I request that you provide me with validation of the debt as required by law. However, under no circumstances are you to continue to contact me directly.

Please be advised that nothing in this letter constitutes a waiver of any rights or remedies that I may have under the law. If you fail to comply with this demand, I am prepared to pursue all available legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Please confirm in writing by XX/XX/year> that you have complied with this demand and have ceased all communication regarding this matter. Your failure to comply with this request will be considered a violation of the FDCPA, and I will take further action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The fraudulent activity was investigated by law enforcement and was validated as identity theft/fraud. A XXXX XXXX XXXX account was first reported on my credit report on XX/XX/XXXX. I have submitted my police report repeatedly to Experian, and also to XXXX XXXX XXXX   proving that this account does not belong to me. Experian and XXXX XXXX XXXX  has repeatedly validated this account as belonging to me even with proof that it does not. Experian and XXXX XXXX XXXX recently updated this XXXX XXXX XXXX   account to my credit profile on XX/XX/XXXX as having a recent late payment when the account previously reported that it was charged off for the last four years. This is fraudulent reporting within itself. I am requesting that Experian remove this XXXX XXXX XXXX  account from my credit profile, as it does not belong to me. I am also requesting that the recently updated late payment be removed from my credit profile.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of XXXX XXXX XXXX XX/XX/year> showing {$180.00} placed for collections. This account has resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach and I do not recognize any of the following accounts XXXX XXXX- {$1500.00} XXXX XXXX- {$660.00} Affirm- {$770.00} XXXX- {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS RUINING MY LIFE. FOR A MONTH NOW MY HOME LEASE HAS BEEN UP. I HAVE BEEN FORCED TO PAY OVER XXXX A WEEK FOR A HOTEL. WHY? BECAUSE EXPERIAN HAS NO CLUE WHATS GOIN ON. IVE APPLIED FOR A HOME AND EVERY PLACE SAYS MY CREDIT IS FROZE OR HAS A FRAUD ALERT. EXCEPT PER MY EXPERIAN PORTAL, THE AUTOMATED PHONE SYSTEM, AND EXPERIAN CUSTOMER SERVICE AND SPECIALIST, THEY SAY THERE ISNT A FREEZE OR FRAUD ALERT. YET EVERY TIME I APPLY IM DENIED BECAUSE MY CREDIT SHOWS EMPTY OR IS NOT ACCESSIBLE. I CANT KEEP PAYING XXXX A WEEK. THEY TOLD ME IT WAS AN EXTERNAL GLITCH AT FIRST. THEN THEY SAID IT WAS DUE TO THE ADDRESS ON MY DL NOT ON MY REPORT. SO I SENT MY DL, SSN CARD AND A UTILITY BILL AND WAS ENSURED MY ADDRESS WOULD BE FIXED IN 24 HOURS. THE ADDRESS STILL ISNT FIXED. DESPITE ME DOING WHAT I WAS ASKED. MY CREDIT IS INACCESSIBLE AND EXPERIAN NEVER FIXED MY ADDRESS. THEY KEEP SAYING THEY DONT SEE ANY FREEZES OR FRAUD BUT IVE ATTACHED PROOF OF WHAT EVER PLACE I APPLIED FOR RECEIVED. THEY NEED TO FIX THIS THIS WEEK. XXXXM NOT RICH.IVE PAID 2 MONTHS RENT HERE AT THE HOTEL IN ONE MONTH.
Product: Debt collection

I received an alert on my credit report in XX/XX/XXXX, after viewing, I saw a medical debt. I XXXX  the XXXX named on my credit file and I had never been there. I never received a bill or any type of debt collection. This is to remain on my report until XXXX. So I tried calling the collection company and I gave them my name and last four of my social security and they didnt have me in their database so I disputed it with the credit bureau . It remained. This company has to either be a scam, or someone stole my identity. I have been at the same mailing address for over 10 years. So this is false. I never even visited this place before. I was a member of a county XXXX  and always went there for any XXXX that I had.
Product: Credit card

I made a payment on XXXX XXXX and was charged a late fee of XXXX XXXXI called and was told my payment was late due to the time zone. 
I applied for and and the account was approved in this time zone. 
This was not an issue at the time received this card. 
the card is XXXX XXXX
Product: Checking or savings account

I have filed several disputes which should have been returned but we're not and requested a merchant be blocked yet they had access to charge my account anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to The three major credit bureaus ; Transunion, XXXX  and XXXX  that according to the Fair Credit Reporting Act, that the bureaus was suppose to provide information directly from the agency that reported my bankruptcies or else by law they need to remove them and or provide documents or credible information where information was collected. All three bureaus stated the same information that they received information from XXXX Bankruptcies district. I contacted the bankruptcy district and it was stated that it would never be a time that this information will be provided to any credit bureaus. I requested all three bureaus on XX/XX/2020, XXXX and XXXX of the removal. I also tried contacting them again by phone and the system made it impossible to reach them. I also tried disputing again via direct website and theres no right of passage. These companies should be reported for rude behavior as well.
Product: Mortgage

I refinanced my home to get out of a terrible experience with prior loan " servicer '' .My refi is thru XXXX XXXX  XXXX-and came to realize THEY farm out their customer payments through Rushmore Loan Management XXXX XXXXSorry XXXX can't provide any real address.They have multiple po box es, so will supply their complaints box : XXXX XXXX XXXX XXXX, CA. XXXX complaint early into this process.I 've been down this rabbit hole before:1st-in attempting to work amicably w/this company ( realizing I may not understand their process ) -I was told simply to render payments closer to the due date.Briefly : there is no direct response, accountability or person to contact.I invite you to try! Virtually every # called is a minimum XXXX0-15 min.hold, with the standard, " leave your # and someone will call back '' .Problem? I have submitted 2 seperate mortgage payments ( XXXX due XXXX XXXX due XXXX ) through the USPS to their own po box .Coupons and instructions from statements per Rushmore 's requirements.Both times a principle curtailment got applied.Not the obvious mortgage payment in the amount due.Both times required several contacts to apply a reversal to their error -- -which, they in turn state can take 3 days to reflect.Rushmore is a debt collection agency.I work, am a veteran, and have chronic health issues.I am not willing to chase this company 's mistakes every month, bearing in mind their errors can severely and negatively impact my investment.If your agency can reach them, I want to know why they can not /will not apply the payments as directed by their own prorocol.It feels as if they're deliberately setting things up to throw my payments into delinquency.
Product: Debt collection

Caller calls my phone, family members phones, and my employer, even though they have been warned to stop calling because it is harrassment. They do not provide any proof of the debt, nor do they give any information about it. STOP CALLING and send original debt information to prove it is valid ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid a bill off with a creditor on my credit report and I have disputed this same amount on my credit report and TransUnion has not change the amount to paid in full. The bill is paid off and it has not changed yet, it been two months! I look at the other credit report agency and they changed it within two weeks or so! This has been disputed twice with TransUnion, they are not a quality company at all!
Product: Credit reporting or other personal consumer reports

Someone has attempted to fraudulently use my social security number open credit card accounts without my knowledge or consent. I kindly request that all credit bureaus take immediate action to remove all inquiries associated with these fraudulent attempts. All 3 credit bureaus- please scroll and look for your company 's inquiries. 

EXPERIAN -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have been called close to XXXX times by this organization. 

The debt is not mine and I am not affiliated with the company nor have I ever been. They are harassing me and will not stop. They have called and facetimed me, calling me a liar and raising their voice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX account is reporting incorrectly. I have disputed several times, always comes back as updated. 

Date of last payment states XX/XX/XXXX as {$0.00}. 
It also states as XX/XX/XXXX {$100.00} paid on time. ( which I have a bank statement confirming ) On XX/XX/XXXX, I also made an on time payment of {$73.00}, which I also have a bank statement to confirm. 

Not sure how this keeps coming back to me as updated and verified when I have proof of payments made on this account. 

I will be enclosing a copy of the credit report supplied by Equifax on XX/XX/XXXX.