23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I closed 2 accounts with Wells Fargo bank earlier this year, a checking account in late XXXX and a credit card in late XXXX. After closing the second account I asked the bank to please remove my personal data from their system. They refused stating they would keep the data for an indefinite extended period of time, possibly up to a year or longer ( for tax purposes? ) Neither account generated any taxable events or statements. The checking acct. was a non interest bearing and I never paid a penny of interest on the credit card. On XX/XX/XXXX I received 2 e-mails from Wells Fargo, one updating my online access and thanking me for being a customer and the other for a rewards program I am not enrolled in or eligible for. As a victim of several major data breaches including the XXXX breach of more than one billion users and the government 's OPM  data breach I find it very troubling that a major bank can keep my personal data for an extended period of time after I am no longer a customer. I did talk to a manager about this and she seemed to believe they could keep my data in their system as long as they wanted. I also find it disturbing that I am receiving e-mails that could be viewed as misleading or fraudulent more than 6 weeks after I closed both accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an incorrect address on my credit report. I've never stayed at this address nor have any relatives that lived at this address. 


XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report In acceance with the fair credit Reporting 46 act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2600.00} Amount {$2800.00} Status Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX DateXXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX  AddressXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX DateXXXX  XXXX, XXXX CompanyXXXX XXXX  XXXX XXXX AddressXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX AddressXXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX Request OriginatorXXXX XXXXXXXX XXXX XXXX DateXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX WAKEFIELD & ASSOCIATES Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, GA XXXX {$460.00} XXXX XXXX XXXX Status Voluntary Repossession Status updated XX/XX/XXXX Past due amount {$17000.00} Original balance {$23000.00}
Product: Credit reporting or other personal consumer reports

I was looking to buy a vehicle and went to XXXX XXXX in XXXX XXXX California. I was told that a company called EXETER FINANCE LLC would hold my loan. I signed all the paperwork on XX/XX/2023. Then on XX/XX/2023, I received a letter in the mail from XXXX XXXX stating that they couldn't find any bank to finance me so they had cancelled my contract and I was to return the car to the dealership which I promptly did. I had also received numerous statements from Exeter denying me credit. Now I am getting on my credit report that I owe them XXXX  for a car I no longer have. I have tried resolving this issue with Exeter and nothing is being done. I can not get any other car with this on my credit, and have not been able to.
Product: Credit reporting, credit repair services, or other personal consumer reports

State Farm Bank reported my car loan as 30 days delinquent when it was not 30 days past due. My payment is due on the XXXX of every month. A payment was made on XX/XX/XXXX. My payment for XXXX was due on XX/XX/XXXX, however the payment was delayed until XX/XX/XXXX. It was 17 days late - not 30. 
I spoke with a customer service representative at State Farm Bank and was told that it should not have been reported as it was not 30 days late. I was told that there was no way for me to contact the credit reporting department within State Farm directly. I disputed the report with State Farm Bank directly, as well as XXXX and XXXX. The creditor continued to report the account as accurate and it now shows as a derogatory mark on my credit score.
Product: Debt collection

Radius has re aged a debt illegally. This electric bill was from a time 3 years ago, when the XXXX mortgage company took back my house in a deed in lieu of foreclosure. The consumers energy electric company said it was my bill. XXXX assumed responsibility of the bill when taking the house back. 
This was XX/XX/XXXX. That was the end of it I thought. I checked my credit report and see this debt as current in XX/XX/XXXX.
Product: Debt collection

After obtaining a copy of my credit report I have found that my second mortgage is still reporting. The house was foreclosed on and the bank took ownership of the property on XXXX/XXXX/2012. The collection agency that is currently reporting on this mortgage is REAL TIME Resolutions. Attached are all the documents that I have pertaining to the said house that was foreclosed on, including the last letter I received from the collection agency. I need to make sure that this situation is resolved and the reporting is stopped to my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Citi made the mistake of doing a hard inquiry on my account when they were only suppose to do a soft inquiry. I'd like to dispute this inquiry since they told me on the phone it would not be a hard inquiry. I have called to report this. Unfortunately I don't know if the customer service agent fully understood everything. She did say she would file it but she gave me no case number or any information on what would happen next. Hopefully you can kindly resolve this issue for me. It's on all 3 reports I'd like them removed. Thank you kindly
Product: Debt collection

I have previously requested Chase not call me on numerous occasions, all of which have been ignored.

I received a call from Chase on Monday, XX/XX/2018 at XXXX XXXX  PST, clearly a violation of the FDCPA. 

See the attached screenshots from my phone, documenting the time they called.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was account has already been disputed with XXXX XXXX XXXX XXXX once before, and they refuse to correct their records. XXXX XXXX XXXX XXXX is alleging that I had an account with XXXX XXXX & that it became delinquent on XX/XX/2016. That is factually incorrect. XXXX XXXX is " re-aging '' this account to show that its more recent than it actually is, which allows them to continue to report it. I have asked them to provide proof that this account was indeed delinquent on the dates they claim.. I have asked them to return a copy of the final XXXX XXXX billing statement, and they refuse to do so. The negative mark is showing up on several credit bureau 's reports as well as with XXXX XXXX. I have perfect credit except for this negative mark and I want the CFPB to cite XXXX XXXX XXXX XXXX for their illegal practices and behaviors. This is a clear violation of the Fair Credit Reporting Act & /or Fair Debt Practices Act.
Product: Mortgage

My mother passed away in XX/XX/XXXX and I called the reverse mortgage in XX/XX/XXXX to submit our intent to keep the property, request for marketing extension, and to payoff the loan balance. They advised me to send the Last Will and Testament, Death Certificate and a letter of intent and my requests which was promptly emailed on XX/XX/XXXX to PHH mortgage at the email address they provided. They said it would take 48 hours to authorize me in the account. I checked again on XX/XX/XXXX and the loan representative said that they did not receive my email due to difficulties they were having with their system. I submitted a new written request for payoff, marketing extension and for authorization the same day ( XX/XX/XXXX ). I was instructed to check back in 48 hours. On XX/XX/XXXX I called again to check status and the representative said that my documents had in fact been received the first time and that the file was notated by their legal team to say that the Will was not notarized therefore I am not authorized on the account. Im checking with an attorney, I was advised that Last Will and Testaments in the state of California do not require a notarization and the only require that is that they are properly witnessed. My mothers Will has been properly witnessed. I have attempted to contact the reverse mortgage company, PHH Mortgage Services to address this inaccurate information from their legal team but they continue to refuse me as an authorized person on the account. Time is of the essence in paying off this loan. However, after receiving several different reasons this company has deemed as insufficient for me to become authorized, and also asking to speak to a manager or Vice President, I have been unsuccessful in any attempts to receive a payoff statement including wiring instructions. At this point, I believe my consumer rights are being violated and that this mortgage company is thwarting my duties as a Trustee for my mothers estate. The beneficiaries are also being prevented from paying off this loan and their rights have also been violated in the process. To date, I have sent them the copy of The Living Trust, naming me as Trustee, The Last Will And Testament, Payoff Request, Marketing Extension Request. PHH issued a final notice calling the loan on XX/XX/XXXX with instructions that we have 30 days to comply before the loan goes into foreclosure. However, they will not cooperate with sending a payoff statement so that we can comply.
Product: Credit card or prepaid card

Good morning, I have attempted to close my XXXX XXXX XXXX credit card but the agents have been unable to assist. I initially had requested deferment as my children were needing my assistance financially. That was not the case, I am requesting " all '' my credit cards to be closed effective immediately. The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/2010. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the Bank must immediately place a dispute code on its subscribing credit bureau reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a human being. I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX $
Product: Mortgage

I reside in Washington, DC and earlier this year I was approved to purchase a condominium through a DC government program for less than half of the market value. I make {$46000.00} a year, I have a good credit portfolio and an average credit score of XXXX. I was pre-approved by Bank of America Home Loans to purchase the property using A first time homebuyer second trust government backed loan. The DC government has allowed me to purchase the property based on my income. The monthly payments XXXX mortgage, condo fees and taxes XXXX fall within the proper debt to income ratio. However, according to Bank of America the underwriter has not approved the loan because they are projecting the monthly tax payments On the appraised value of the property. The property I am trying to purchase is an affordable housing unit and and DC law states that based on my income I am eligible for tax abatement.
Product: Vehicle loan or lease

I am filing a complaint against Santander because they should have known I was a subprime borrower who would not be able to make {$640.00} payments each month based on my income at the time of {$30000.00} and my poor credit history and score. I feel like they approved me because they knew I would never be able to keep up the payments and eventually they would be able to repossess the vehicle and make more money. I have since lost my job and they are aware of this but refuse to help and expect me to still pay the full payment amount that I never would have been able to pay anyway. I am now living off of {$270.00} a week in unemployment in a rural area where a vehicle is a necessity
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Demand for Immediate Deletion of Inaccurate Information Under FCRA and 15 USC Dear Experian, This letter serves as an official and legally binding demand for the immediate deletion of inaccurate, unverifiable, and/or incomplete information reported on my credit file. Your agencys failure to adhere to federal laws, including the Fair Credit Reporting Act ( FCRA ) and U.S. Code Title 15, constitutes a blatant violation of my rights as a consumer. I demand immediate compliance, as the presence of the disputed items is causing significant harm to my credit profile and financial standing.

Items in Dispute : XXXX. XXXX XXXX ( XXXX XXXX XXXX ) ACCOUNT # XXXX Legal Basis for My Dispute 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The inclusion of the above-mentioned inaccurate items demonstrates a clear violation of this statutory requirement.

2. 15 U.S.C. 1681i : Upon receiving a dispute, agencies must conduct a reasonable and timely reinvestigation to verify the accuracy of the information. If the data can not be verified, it must be deleted within 30 days.

3. 15 U.S.C. 1681c : Prohibits the inclusion of outdated information, such as accounts beyond the permissible reporting period. If these items fall into this category, they must be deleted immediately.

4. 15 U.S.C. 1681s-2 ( b ) : Obligates data furnishers to promptly correct or delete inaccurate, incomplete, or unverifiable information once notified of a dispute.

5. 15 U.S.C. 1692e ( FDCPA ) : Prohibits the use of false, deceptive, or misleading representations in connection with debt collection. Any inaccurate reporting tied to debt collection activities is a direct violation of this law.

My Demands 1. Immediate Removal : Delete the inaccurate, incomplete, or unverifiable items listed above from my credit report.

2. Verification Details : Provide the name, address, and contact information of the entities that verified the disputed items, along with any documentation used during verification.

3. Updated Report : Provide me with a corrected and updated copy of my credit report.

4. Cease and Desist : Stop reporting the disputed items to third parties during the reinvestigation process, as required by law.

Notice of Legal Action Failure to address this matter within the 30-day timeframe prescribed by law will result in the following actions : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General 's office.

Pursuing legal remedies for damages incurred due to your agencys noncompliance, including but not limited to violations of the FCRA, FDCPA, and U.S. Code Title 15.

I expect full compliance with these demands and a written confirmation of the resolution of this matter. You are hereby on notice that I will aggressively protect my rights under the law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX credit bureau refused to removed incorrect address from my credit report also they refused to removed fraudulent account I have been disputed are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing with the credit bureaus as of  XXXX   2017 . Since then, I have received notification from the creditors but I never received documents from any of the credit bureaus,  XXXX ,  XXXX , and Transunion. They have never provided me an update regarding me report thus making it difficult for me to review the activity on my account. I have done research and am aware I should be receiving correspondences betwee n 35 - 45 days which has not happen. In all of my dispute letters, I have always included my address so I am not sure why they are not replying me. I am also well aware that this is against the FCRA which is why I felt  it necessary to express my concern.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. I contacted the credit bureaus to report the fraudulent activity and they failed to address the issue. There are numerous fraudulent accounts that are being reported in my name that are not mine and should not be on my credit report. I sent them all required documentation along with the proper identity theft filings. I really need this misinformation removed from my credit reports immediately. This is causing me a great deal of stress.
Product: Student loan

Called Nevient today about public service loan foregiveness ... ... Told then that my original loans were direct loans ... .they told me that I would have to consolidate again to apply for program which would start the clock over for me been paying on time since      1997. V ery misleading I have less than 120 months left on loan
Product: Debt collection

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX {$2100.00}, XXXX {$1200.00}, XXXX XXXX {$1300.00} ), XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX bank {$2200.00} ) XXXX XXXX XXXX {$960.00} ) XXXX ( XXXX XXXX {$770.00} XXXX XXXX ( {$590.00} ) XXXX 's ( {$1900.00} ) XXXX  ( {$240.00} )
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I disputed a fruadulent account.I sent all the necessary information needed in order to have the account remove.All three credit bureaus ( XXXX, XXXX, and Transunion ) remove this from my credit file.After a month later it was reinserted by Transunion and XXXXI wasn't notified about the reinsertion within the 5 business days which required and no information at all.
Product: Debt collection

Good Morning, I contacting XXXX XXXX XXXX XXXX in regard to Bank debt and to make a payment via - my direct deposit through my job. I was told by XXXX or XXXX that my bank deposit would go through and I could make a payment on my account through my online account once the debt was validated which it never was. I have no access to online to make payments or verify if the debt was accurate. 



I also let the bank representative know that I believe they are trying to collect the wrong amount. 

Heres the issue : The bank never sent a letter stating the amount owed and what I needed to pay by what time to prevent the amount being reported to the credit bureau. 

When it is thought to be a collection a demand for payment letter must be sent out giving the person who may be responsible for the debt time to pay debt or to validate the amount of the debt. 

This company put this on my credit file without verifying the debt or sending a demand letter for the debt in question or contacting me in any way to say debt would be reported and the steps I needed to take as a consumer.
Product: Credit card

There was a fraud alert placed on my Citibank Credit Card. 

I called the number as required, customer service indicated they have to verify my account by phone number. When I provided my phone number Citi said they can not use it to verify. This is the same number I have on file with Citibank. If I open my account access and check my phone number it is the same number I provided them. I 've had this number for years, this number is able to receive calls and texts. 

I have no other way to verify my account with Citi, personal details were not sufficient. This limitation now makes my account unusable, so while I have an account with them, their inability to verify me in a way beyond using a phone number makes my account useless. I 've never experienced this with any bank. As of now I can not use my account.
Product: Checking or savings account

I signed up for a 360 Checking account based the promise of a {$400.00} bonus. I complied with the terms, but the bonus still has not been paid. The terms said they would credit the bonus by XX/XX/2021, and that is today.
Product: Debt collection

Received letter from debt collector in the mail on XX/XX/2023 Responded and sent debt validation letter on XX/XX/2023 by certified mail. 

They received on XX/XX/2023. 

However, they keep calling me and telling me to make a payment without validating the debt as of XX/XX/2023. 

Its a violation of the FDCPA for a debt collector to refuse to send a validation notice or fail to respond to your verification letter