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

I never was late on payment to XXXX. XXXX  was responsible for unmaintained hot water heater incased in wall that burst causing mold to ruin numerous items of mine including furniture, new shoes & clothing. XXXX  submitted false claim to bureaus in retaliation for complaint filed & fine by the city. I paid everything on time and never owed. XXXX  upset I didnt sign waiver that I wouldnt mention the mold in wall to others. Corporate refused to return in calls, voicemails, or emails left through there system to rectify issue. This false claim was filed after I moved out at end of the lease without ever making me aware and even after I visited XXXX  office twice after move out. This is clearly retaliation by XXXX  b/c they wanted to conceal mold in the walls causing damage to my items as a result of negligence their negligence and they owe me for over {$3000.00} in damages. The mold inspection confirmed mold and they immediately moved a new tenant in without concern for anyones health. The XXXX XXXX XXXX of {$360.00} should be removed. I'm not able to resubmit dispute to XXXX  & unable to reach rep at XXXX & XXXX. I was unable to submit w/Equifax rep & need resubmitted w/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from America First Credit Union, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called America First Credit Union and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and America First Credit Union with no successful resolution. XXXX, XXXX, and XXXX reported me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.
Product: Credit card

1-XXXX XXXXXXXX XXXX XXXX am unauthorized purchase made online at XXXX XXXX XXXX for {$1000.00} using my Capital One Card. 

2- Capital One messages my phone re such charge. I call, dispute charge, and lock card. While on phone, another charge of {$870.00} came in, disputed such. 

3- XXXX, picked up merchandise, when store opened, and then attempted to return for XXXX XXXXXXXX XXXX XXXX put {$1000.00} back into my card. 

4XXXX XXXX XXXX sends me new card, and credits my act for {$870.00} on or about XX/XX/year>. 


5-On XX/XX/year>, a complaint was filed with the XXXXXXXX XXXX XXXX XXXXXXXX where at least the second purchase was made. 

6- On XX/XX/year>, a {$870.00} was charged back to my card. On XXXX, XXXX XXXX, I called Capital one requesting explanation. Several Calls later, getting transferred from XXXX dept to another, I was advised " the merchant provided documentation that charge is valid '' and the remaining explanation, after several requests to repeat, could not be understood. I requested to be provided with merchant 's documentation, and Capital one refused. 

XXXX On XX/XX/year>, I called XXXX XXXX XXXX XXXX spoke with manager, requesting details, he stated, he was aware of case, and fraudster returned merchandise and it was credited to his XXXX XXXX account, and the police are investigating. Manager, was vague, would not answer specific questions, and deferred to the police dept. I was not able, eg forgot to ask, what kind of documentation was provided to Capital one to reverse the credit, when he stated, that the fraudster returned merchandise and money went into his personal XXXX XXXX account. AND NOT THE CARD WITH WHICH PURCHASE WAS MADE, AS IN THE CASE OF THE FIRST, {$1000.00} PURCHASE. 

8- IT APPEARS CAPITAL, CONTRARY TO FEDERAL LAW, CHARGED MY ACCOUNT FOR UN AUTHORIZED PURCHASES, REFUSES TO PROVIDE DOCUMENTATION FROM MERCHANT, IN ESENSE IS STEALING FROM ME, AND IS COMPLICIT IN THE CRIME. 

9. I HAVE ENDURED MUCH STRESS AND SPENT AN INORDINATE AMOUNT OF TIME, AND NOT ABLE TO DAY TRADE STOCKS DUE TO ABOVE, HAVING BECOME DIZZY WITH CAPITAL ONES, STONEWALLING AND INCOMPETENCE, FOR WHICH I WILL SEE COMPENSATION IN COURT. EG TREBLE DAMAGES AS WELL AS PUNITIVE. NOT A THREAT, BUT A LEGAL REALITY. 
10- I WILL BE CLOSING THE ACCOUNT WITHIN A WEEK.
Product: Vehicle loan or lease

To Whom It May Concern : I hope this email finds you in the best of health. My name is XXXX XXXX and the reason you are receiving this email is because of a dispute on how Santander Consumer USA is reporting a collection debt to XXXX, Acc # XXXX, {$16000.00}. 

This debt amount is inaccurate. The correct amount owed was {$2800.00}, Acc # XXXX which was settled and paid with Santander Consumer USA on XX/XX/2020. 

Santander Consumer USA already reported the correct amount with XXXX, but they are reporting it incorrectly with XXXX. 

As such, I would like this information to be reflected correctly and updated with XXXX and or removed from XXXX  because of the inaccurate reporting. 

Thanks
Product: Debt collection

Hi - This company is showing up on my credit report, but I am not familiar with this debt or have any information regarding what it is. I have been tirelessly trying to contact the company, and their parent company XXXX XXXX at every phone #, e-mail address and mailing address I can find, but continue to receive absolutely no response. If this is a legitimate debt I owe, I would like to take care of it, but I have not been able to get a hold of anyone to speak to about it. I don't feel it is fair that this is negatively impacting my credit report, and yet I can not get in touch with anyone to try to resolve it. 

I also submitted a complaint with the MO Attorney General ( since the company is registered in MO ) and literally one minute after I submitted that complaint ( attached, along with email the complaint confirmation came with so you can see the time stamp ), I received an email back from the company ( attached ) claiming they had tried to contact me earlier in the day, which they did not, and I have phone records ( attached ) to prove it. I responded to the email telling them to please contact me so we could resolve it without having to involve CFPB and the MO Attorney General, but they have again not called me. 

I do not know what else to do, or what kind of scam they are running here. My guess is that this is an illegitimate debt, and that is why they are avoiding me. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account number # XXXX Dates XX/XX/XXXX to XX/XX/XXXX Has violated my rights. 
I called the customer service number to open an investigation on several occasions on their website but the item still remains on my credit report. 
15U.s.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TRANSUNION AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, TRANSUNION AND XXXX   continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Product: Credit reporting or other personal consumer reports

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX 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: Mortgage

After my income dropped and I exhausted all my inheritance in XXXX of XXXX, I made my last payment of {$2800.00} on my first mortgage loan with Wells Fargo Bank. I then contacted their Home Loan Department to see if I would be able to apply for a loan modification. I was given a 3-month moratorium to complete the loan modification application process. I filled out a modification packages at least nine times, each time to no avail. The bank kept asking for the same information over and over again. Finally out of frustration, I contacted the legal department of the California XXXX XXXX in XXXX of XXXX. The XXXX then contacted Wells Fargo 's legal department on my behalf. Shortly thereafter, in XXXX of XXXX, a Loan Preservation Specialist situated in a local XXXX branch contract me. I filled out yet another modification package and was denied again sometime in XXXX XXXX. 

In XXXX of XXXX, another Specialist from the Recovery Care Department contacted me. I worked with this Specialist for well over a year. And in XXXX XXXX, I was denied again, because for the first time, Wells Fargo informed me that the investor holding my loan was not part of the XXXX program and because of the type of loan I had, I was not eligible for any kind of loan modification. This after a whole year of providing the same paper work over and over again and obtaining a commitment from XXXX to provide funds towards paying down my arrears! Did n't Wells Fargo know from the start what kind of loan I had? 

On XXXX XXXX, XXXX a notice of foreclosure sale was posted on my front door. A week later the sales date was canceled. On XXXX XXXX, XXXX there was another notice posted on my door with a sales date for XXXX XXXX, XXXX. That sales date was also canceled because I filed for bankruptcy on XXXX XXXX, XXXX. As part of my bankruptcy case, my attorney and I attempted to use the XXXX Program, wherein I would make provisional loan modification payments of 31 % of my gross monthly income to the bank through the chapter XXXX trustee, which I have done faithfully for the last 6 month. However, today Wells Fargo informed me that my income would have to double in order for it to grant me a loan modification. While I have no doubt that I will be able to get my income back to where it was before the recession cause my real estate sales income to drop ; I thought the government supported loan modification programs were supposed to take my income as it is today and help me find a loan modification that works for me, today.
Product: Checking or savings account

On XX/XX/22 my account had a negative balance. I transferred some money in and went to the closest branch when I got out of work to deposit cash to bring the account positive and cover upcoming transactions. To my dismay, the ATM was not accepting cash. I reported it and messaged with a representative when I got home whose only response was " go to another branch '' which was not possible. Then I was charged {$110.00} in fees and several transactions are being returned, which will cause more fees. I have a photo of the ATM telling me it was not accepting cash, and screenshots of my conversations with the representative and can provide those.
Product: Credit reporting or other personal consumer reports

I am following up with the CFPB for the second time and relation to my one and only address i have provided the companies XXXX experience and XXXX with my state ID and other documentation showing my only address but the companies have not updated nor sent me of The old address is being removed. 

To Whom it May Concern : I recently pulled a copy of my credit reports On all three bureaus XXXX, XXXX and Experian and noticed the following information are in error : Names And Addresses and phone numbers Since noticing this i have made A FTC report that i have attached to this document here today. Addresses : The following are, Phone Numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiries : I gave no written consent to furnish or pull I do not recognize them. The inquiries Are also listed below XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX De XXXX I have given your company more than 30 days to remedy the false and incorrect information. You have not written nor responded. Which will be noted
Product: Credit reporting or other personal consumer reports

RECENTLY I HAVE BEEN HIT WITH A EXCESSIVE AMOUNT OF UNWANTED EMAILS AS WELL AS STRANGE PHONE CALLS. I WENT AND PULLED ALL OF MY CREDIT REPORTS AND WAS ABLE TO ALSO PULL THE ONE FROM CLARITY. THERE WERE SO MANY UNAUTHORIZED INQUIRIES ON THIS REPORT. COMPAMIES I HAVE NEVER HEARD OF BEFORE IN MY LIFE. WRONG BANK ACCOUNT INFORMATION. WRONG PHONE NUBERS AND ADDRESSES. I AM RECEIVING CALLS AS EARLY AS XXXX XXXX IN THE MORNING. I AM RECEIVING MORE THAN 100 EMAILS A DAY FORM COMPANIES THAT I HAVE NO CLUE ABOUT. I HAVE ATTACHED A COPY OF THE CREDIT INQUIRIES TO THIS COMPLAINT. THE ONLY COMPANY THAT SHOULD BE ON MY CREDIT REPORT IS XXXX. I AM NOT SURE WHAT CLARITY HAS GOING ON BUT AT THIS POINT I WILL BE CONTACTING A LAWYER TO GET THIS MATTER STRAIGHT. NOW WHAT IS STRANGE ABOUT ALL OF THIS IS THAT I HAD A SECURITY FREEZE PLACED ON CLARITY AND REMOVED IT BECAUSE OF XXXX AND THEN REPLACED IT. I HAVE NOW REMOVED IT PERMANETLY FOR THE TIME BEING UNTIL WE CAN GET ALL OF THIS MESS STRAIGHT.
Product: Credit reporting, credit repair services, 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 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, personal loan, or advance loan

PREDATORY LENDER. I was not informed my payments would be bi-weekly and they are using loopholes to charge insane interest rates. First off, they charge a 10 % origination fee and instead of charging interest they charge a statement balance fee every 2 weeks. Which comes out to like 159 % APR. I do not understand how this is legal in Florida, they definitely need to be investigated. I want to reach a settlement with them as my {$1400.00} line of credit is now up to {$1600.00} and Ive already paid them {$290.00}. DO NOT use them as a lender theyve already been sued in multiple other states and if I had the means I would try to as well.
Product: Mortgage

Facts of the Case : I hold a mortgage account with Wells Fargo with an outstanding principal balance of {$110000.00}. 
XXXX XXXX XXXX XXXX, acting as a servicer for me, paid off the mortgage to Wells Fargo on my behalf on XX/XX/year>. 
Wells Fargo confirmed receipt of payoff funds on XX/XX/year>, via phone and on XX/XX/year>, via mail. 
Based on these confirmations, I paid XXXX XXXX XXXX XXXX {$51000.00} via cashier 's check on XX/XX/year>, drawn from my Wells Fargo checking account and deposited into XXXX XXXX Wells Fargo business account in Georgia. 
However, Wells Fargo subsequently claimed they returned the payoff funds on XX/XX/year>, without my consent or knowledge, and reinstated the loan.

In my view it is a Potential breach of contract by Wells Fargo for returning funds without authorization.

I also suspect Possible fraudulent misrepresentation by Wells Fargo regarding the status of the mortgage payoff.

Potential conspiracy between employees of Wells Fargo and XXXX XXXX XXXX XXXX to defraud me. 
I request recovery/compensation of {$51000.00} from Wells Fargo for the immediate loss incurred.
Product: Debt collection

I recently viewed my credit and noticed an account that does not belong to me and has seriously affected my credit profile. Carter Young Inc. is handling the collection of this account which is a false account. After reviewing my records, I am unable to find any documentation of any contractual relationship between Carter Young Inc. and me which makes them a person entitled to enforce a commercial claim against me. They have not provided any proof of contract to substantiate their claim. Such as a certified copy of an original contract with my signature, specifically naming Carter Young Inc. as a business entitled to enforce a commercial claim against me.
Product: Credit card or prepaid card

I ordered flowers on XX/XX/2019 from XXXX XXXX XXXX for my son and daughter-in-law 's wedding on XX/XX/2019 for {$750.00} to XXXX XXXX, New York. They were delivered as expected on XX/XX/19, but half were missing. Complained to Merchant who sent the other half that arrived on XX/XX/19. Some of the other half were the wrong color, 1/3 were dying. We bought more flowers in XXXX XXXX to get the right colors and made do. 
Received a phone call from my daughter-in-law on XX/XX/19 saying XXXX XXXX XXXX  called her asking if another order was made because flowers were being sent to Texas on or about XX/XX/19, long after the wedding. She told them no such order was made and then called me to inform me. I immediately cancelled my card and went through my statements. I found charges for yet another order totaling {$750.00} for flowers sent 1700+ miles in the wrong direction in Texas that were not ordered. Merchant had been given the correct address for the correct day, which is why we received the half order. We made numerous complaints to XXXX XXXX XXXX, started 2 Cases with Citibank and an appeal, provided papers showing the actual order date and address and yet my funds have not been returned. 
It has become quite obvious that Citibank has not done due diligence.
Product: Mortgage

Hello, I have a 30 year fixed rate FHA loan that was initiated in XX/XX/XXXX at 3.75 %. The loan is held by Freedom Mortgage and they have tried repeatedly to get me to refinance to a higher interest loan. The next year I bought another property to live in and started renting out the home with the FHA mortgage. Often the renters are late in paying, and in XX/XX/XXXX I had helped my son and his family move to their new duty station at XXXX XXXX. Between the two I was very late sending in the XX/XX/XXXXpayment. It was sent by my regular bank on XX/XX/XXXX and should have been received by XX/XX/XXXX. I have used this service since XX/XX/XXXXwith no issues, I thought. My regular payment is now {$1400.00} after an increase in taxes and insurance costs. I sent in {$1500.00} to cover the {$56.00} late fee I owed by that time. 
In XX/XX/XXXX I started receiving notices that I was over 30 days delinquent on the account. I called Freedom Mortgage to find out if they had just applied the check or had credited the check to another account by mistake. They couldn't tell me where it was and I contacted my bank to find out what their system said. It hadn't been cashed as of XX/XX/XXXX. I called Freedom Mortgage, told them I was stopping payment on the check and would pay for XX/XX/XXXXand XX/XX/XXXX as soon as my bank had the last check back in my account. On XX/XX/XXXX I scheduled payment through Freedom Mortgage 's system for the next day for {$3000.00} to cover XX/XX/XXXX late fee and the XX/XX/XXXX payment with a little extra principle thrown in. Freedom Mortgage has a note on their bills that states payments made after the XX/XX/XXXX have late fees of {$56.00} added to the bill. They applied the {$1500.00} from the stopped check on XX/XX/XXXX, miraculously finding it after I told them I was blocking it. They pulled {$1600.00} back out on XX/XX/XXXX then put {$160.00} in again ... except their system doesn't tell me where the {$160.00} went, and they charged me a late fee for XXXX. 
Now I have a {$20.00} fee for the stop payment that Freedom Mortgage representatives told me would not be assessed, {$160.00} I have no idea where it went, and two months of late fees pulled out of the payment made on XX/XX/XXXX. I have looked back at my bank 's records for how long they're taking to credit my payments and it looks like it averages a week, sometimes longer. Freedom Mortgage shows that almost all of the extra money I have sent has been used for " late '' fees even for those months where I can show they received their money before the XX/XX/XXXX. It seems to be a pattern where they hold on to the checks that extra bit of time so they can charge a late fee. The XXXX payment has been made ( through Freedom Mortgage 's payment system ) and I have {$110.00} for late fees charged to it ( I sent in {$1600.00} for the extra principle ), in addition to the {$110.00} charged to the XX/XX/XXXX/XX/XX/XXXX payments. For some reason they broke up the extra principle into a {$160.00} payment and a {$49.00} payment, maybe to confuse the theft of {$160.00} in XX/XX/XXXX.