23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employer : XXXX XXXX XXXX Inquiries XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Employer : XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX EMPLOYER : XXXX XXXX D XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Collections : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Mortgage

I applied for a home mortgage refinance on XX/XX/XXXX with Wells Fargo for the amount of XXXX XXXX cash out. My income is enough to support this loan but I was denied on base of their claim being my debt to income ratio is 66 %. I used their own online debt to income ratio calculator with the same numbers I provided to them and it says my ratio is only 35 % and in standard with their requirements. I then further escalated my case to be reviewed again by a team of under writers and again I was denied. They are incorrectly representing my debt to income ratio and I believe I am being discriminated against because of my age and because I am young but still make enough money to support this loan. They gave me a run around and no clear answers for 3 months. 

I work for a family owned hotel company which I also have ownership in. 

I am attaching my denial letter ( received XX/XX/XXXX ) which also states their reasons for denial, none of which could have any effect on me actually getting this loan.
Product: Money transfer, virtual currency, or money service

I tried to transfer money using Zelle for {$960.00} and it was blocked by the bank and never returned, causing me major stress! I called XXXX XXXX XXXXXXXX to fix this problem, speaking to multiple departments and no luck.
Product: Mortgage

I applied for a mortgage for a refinance on a second home from Quicken Loans in XXXX of 2016. As part of the process Quicken asks for a good faith deposit, in my case {$500.00}. The first issue I ran into with Quicken was them not being able to obtain an appraiser before the rate lock expiration. They told me they would extend it, which they did, but then another issue came up. They apparently had a problem with the classification of my home and decided that it had to be placed in in a riskier classification, increasing my closing costs. We discussed the matter several times and finally reached an agreement on the closing costs. A couple of days before the second rate lock expired I contacted them to see why the loan had still not closed and was told that they working on it. Sure enough the rate lock was missed again. I checked my account and sure enough they had sent a new redisclosure letter with an increased rate. Considering what I had been through already I asked to be withdrawn from the loan and a refund of my deposit. After not hearing from them for a week I called to see what was happening to the deposit. I was told that they were allowed to deduct fees from that deposit and was informed the appraisal was approximately $ XXXX so no refund would be coming. I asked for the invoice on the appraisal and imagine my surprise when the invoice showed XXXX {$500.00} not the ~ {$700.00} I was told over the phone. Given the fact they raised my price on the loan twice, because they could n't close on time, and apparently were less than truthful about the cost of the appraisal I believe that some amount of the deposit is due back to me.
Product: Checking or savings account

When I try to open another bank and they keep saying something about a check system It was sometime in XXXX I really dont know about the actions of it because they refused to tell me
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal identity information was theft by someone and using it to get a credit card from XXXX XXXX XXXX. The XXXX XXXX XXXX failed to verify my personal information by using my old name ( 20 year ago ) and issuing the credit card. The person use the credit card and spend over {$15000.00} dollars in six months. The person also paying part of the payment four times during the six months and then disappeared. 

I found out this by receiving very low credit score in XX/XX/XXXX. I filed a policy report regarding my personal identity information theft. I did dispute this with the Experian credit union and the XXXX XXXX XXXX. The result came out today and my credit score still low because the unpaid {$15000.00} dollars can't be removed from my record. 

I had a house mortgage with XXXX XXXX XXXX 20 years ago with the old name but my legal name was changed two years later. I assumed that my personal information was theft from XXXX XXXX XXXX and they don't know that my legal name had changed. The person applied the credit card in XX/XX/XXXX with my old name.
Product: Checking or savings account

On XXXX so sent me the amount of XXXX I cleared it with them to make sure it was sent and it was. I called chime saying I didnt receive my money they said it was getting checked by the people over them but they do have it. Each time I called I was getting different stories and during a final call I was told I already got it but she looked into my account at a prior date I stated no thats a different occurrence Im stating my money from XXXX. Ive gone on social media and seen Im not the only victim who chime has stolen money from so there is a overwhelming issue going on Im a single mom of 2 so I loss a lot my bills still arent paid and are close to being shut off because of this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, I had a financial crisis in 2016 which led to a vehicle repossession. Since that time, the finance company has continued to report that my loan is active and past due, despite the fact that they repossessed the vehicle nearly two years ago. Despite the fact that the account is closed, and no payments have been made since 2016, this finance company continues to report the account as active and past due.
Product: Bank account or service

Wells Fargo, where I 've held a business acct for 12 years, is holding {$1000.00} of XXXX of my deposits made on XXXX XXXX, XXXX until XXXX XXXX XXXX. 
The original check was for {$6000.00}. They released {$5000.00} after 2 days but will hold the remaining {$1000.00} for 2 weeks. I asked why and was told " Oh there are many various reasons like where the check came from, the amount of the check, any problems with the account, etc '' I have had this same client for 12 years and have deposited his checks at Wells Fargo for 12 years. Why, now, are they holding {$1000.00} of a deposit for 2 weeks. My client told me the bank already withdrew his money from his account. How do they have the right to give me NO DEFINITIVE ANSER? The girl at the bank shrugged her shoulders and said " Sorry for the inconvenience ''. I do n't believe it. They already have a history of using depositor 's money to open fraudulent credit cards. They refused to release the funds even though they already have the money taken from the bank that issued the deposit.
Product: Credit card or prepaid card

I purchased a laptop from XXXX online store on XX/XX/18. XXXX claimed to have delivered the item XX/XX/18 to my home address. However, I was out of state from the morning of XX/XX/18 until XX/XX/18 as can be seen by my XX/XX/2018 credit card statement that I have attached. I filed a dispute to my credit card company Citibank. Citibank contacted XXXX and XXXX responded with invoice and tracking confirmation from XXXX   that stated that it was delivered but I still do not have the product. The credit card company now claims that they can not do anything now because XXXX provided a tracking confirmation about the delivery. They would not do anything even with a police report ( attached ) to back my statement. They asked me to contact XXXX and try to resolve the dispute. I tried contacting XXXX with no success. Their customer representatives repeatedly transferred me in circles multiple times lasting for about an hour. Citibank is forcing me to pay for the bill for an item that I did not receive.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as
late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. I have paid all my payments on time. 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Violation of FCRA 611, Debt Collection Harassment, and Sharing of Information with XXXX XXXX XXXX XXXX to 15 U.S.C. Sections 1692d, 1692i, and 1692c Dear Transunion, I am writing to address a matter of significant concern regarding the accounts that I have reported as fraudulent to the Federal Trade Commission ( FTC ) and subsequently requested investigation under FCRA 611 ( 15 U.S.C. 1681I ). It has come to my attention that there are discrepancies in the handling of these accounts, which directly violate the rights guaranteed under this section of the Fair Credit Reporting Act. 
Not only has there been a failure to comply with FCRA 611 in rectifying these accounts, but I have also noted the absence of any proof of verified accounts in the documentation provided. The utilization of the XXXX XXXX without providing tangible evidence or verification of the reported accounts, raises further concerns regarding the legitimacy and accuracy of the reported information. 



Additionally, I am deeply troubled by the actions of debt collectors associated with XXXX XXXX XXXX XXXX, who have been incessantly contacting me using my current information, amounting to approximately 15 calls daily. This relentless and harassing behavior violates the protections afforded to consumers under 15 U.S.C. Sections 1692d, 1692i, and 1692c of the Fair Debt Collection Practices Act ( FDCPA ). 



Moreover, it has come to my attention that the information shared through credit bureaus like Transunion has potentially facilitated this harassment by providing my current contact details to debt collectors. Such sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX, leading to their persistent and unwarranted contacts, is in direct contradiction to the requirements outlined in 15 U.S.C. Section 1681, which mandates accurate reporting by credit bureaus to prevent the dissemination of misleading or false data to debt collectors. 



As per FCRA guidelines and the FDCPA, I am formally requesting : Immediate rectification and removal of the reported fraudulent accounts. 

Tangible proof or verification of these accounts within XXXX ( XXXX ) days of your receipt of this correspondence. 

Cease and desist of any sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX. 

Immediate cessation of harassing calls by their associated debt collectors in line with FDCPA provisions. 



Please be advised that persistent contacts from XXXX XXXX XXXX XXXX based on false or unverified information reported through XXXX may result in a violation of FCRA codes, potentially leading to an immediate payout of up to {$1000.00} due to contacting me on accounts deemed fraudulent. 



I urgently request your prompt attention to these matters and expect a comprehensive and lawful resolution as per the guidelines outlined in the FCRA and FDCPA.
Product: Credit card

i ask chase credit card service to close my account ( all cards ) in XXXX..they refuse to close all of them..they lied that balance transfer were made, later to find out it was not true.now, they refuse to send my card to collection and it sits collecting fees, late charges, interest charges.i tried to make a settlement with them. XXXX.that was the balance when that card was to be paid off by another company. ( lied abt tthis card and they had the other company pay off a lower card balance, while lieing to me that all cards are closed .they intentionally made it very CONFUSING and having customer service from and in XXXX handle my calls about this..they are playing a scam o me to get this card in the XXXX dollars..i ask that someone do something to stop ths and the card go into collection.
Product: Mortgage

In late XXXX, I received a notice that New Rez did not receive my XXXX mortgage payment. I've had this account for over 20 years and never missed a payment. Payment comes from my online banking automatically. I log into my checking account and see the money was withdrawn. I contact my online bank and they email me proof of the check being sent and cashed and when it left my account. I called NewRez and also sent a secure email communication through my secure account with them. I attached proof of my having paid XXXX and figured they would correct this mistake right away and refund the late fees. That was XX/XX/XXXX. I get another notice this month that XXXX is late. I find out that in XXXX weeks, they have done nothing to fix this error. No communication, nothing. The cycle continues. I don't know why they keep cashing my checks recently and not crediting it to my account! Where does the money go? I'm continuing to rack up late fees. I received XXXX communication from NewRez since making multiple attempts at communication on XX/XX/XXXX. I contacted a phone rep on XX/XX/XXXX and an online chat rep, all who could not understand the issue. They kept thinking my bank sent the payment late. NO! They sent payment on time and NewRez is the ones with the problem. They take my money and put it who knows where. The XXXX rep I contacted seemed to understand this very simple issue and saw my email from XX/XX/XXXX. Yeah, NewRez did nothing with my email and evidence. They just keep charging late fees and taking my money. You would think they'd escalate this or fix this right away but the rep could do nothing than send a request for research.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX
Product: Checking or savings account

Navy Federal Credit union misled its members about its debt collection practices and also unfairly froze customers out of their own accounts without adequate warning. I was affected by it from XXXX until XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Back in XX/XX/2019, my husband added me to XXXX XXXX  CREDIT CARD. Couple of months later he had removed me from the same account. He is a sole holder of that account, however, XXXX are still reporting me to credit bureaus. This information is incorrect and affects my credit score. Please resolve. Thank you
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was diagnosed with XXXX and spent one month in the hospital fighting for my life. My credit card payment was made as soon as I realized i was behind.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

According to the FCRA XXXX  account XXXX XXXXXXXX has violated my rights. 

FCRA section 605 B. It is illegal to report any information on my credit report without my permission.