23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage with Wells Fargo mortgage was close to foreclosure. In order to get current I mailed a cashier 's check for the total past due amount plus fees. The check was credited to my account then reversed. When I contacted Wells Fargo I was told there was a problem with the check. In order for the bank that issued the cashier 's check ( XXXX XXXX ) to refund my money I need either the check or a statement from Wells Fargo on the problems with the check. I have submitted requested documents to XXXX different departments at Wells Fargo ( Research dept. & Cash dept. ) with no response. I have made several phone calls and never get a satisfactory response.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681a2 I did not give any written permissions to have any accounts furnished as a consumer my rights have been violated I am in distress that false information is being reported onto my consumer report.THIS ACCOUNT IS PAST 7 years of age
Product: Credit reporting or other personal consumer reports

Hello there ive been trying to solve a problem with my credit report its showing lot 's of inaccurate information that I try and dispute on my own and can't resolve. There is a auto loan from Lobel financial that I never asked for or received in the amount over XXXX around XX/XX/year>. I never bought any car from there or there associates.. also the address they have on my credit report is inaccurate I've tried to dispute the information with XXXX XXXX XXXX XXXX  and can't resolve the issue.
Product: Mortgage

I have called  Seterus, Inc  XXXX   XXXX  times trying to obtain paperwork for a Recast. I am trying to make a large payment to my mortgage because doing business with Seterus is a nightmare!! They refuse to let me make a large payment to the principal loan, and have denied the paperwork to me. I need to make a large payment immediately, but they are not willing to take it. I know that my loan does not have a prepayment penalty, and they should let me pay what I want to pay to my loan. Can you please help?
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/20 : CITIFINANCIAL BANK IS REPORTING EXTREMELY OUTDATED CREDIT & PAYMENT STATUS ( AS OF XX/XX/20 ) IN XXXX 'S SITE. WHY??? 

CITIFINANCIAL IS THE ONLY CREDIT CARD ACCOUNT THAT IS GROSSLY REPORTING INACCURATE & OUTDATED DATA.. WHY???
Product: Debt collection

CONVERGENT OUTSOURCING CONTINUES TO UNLAWFULLY REPORT TO XXXX AND XXXX DISPUTED 3RD PARTY DEBT TO WHICH CONVERGENT HAS NOT PROVIDED DOCUMENTS TO VERIFY AND/OR VALIDATE THE DISPUTED DEBT. I HAVE NEVER HAD A XXXX ACCOUNT AND CONVERGENT HAS ONLY EVER PROVIDED XXXX STATEMENT ( S ) ABSENT ANY OTHER DOCUMENTATION. CASE LAW IS CLEAR THAT SUCH STATEMENT ARE INSUFFICIENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have been working on an issue with Experian. They had an account for XXXX XXXX that I disputed some information on. They indicated the account was verified so I decided to go straight to XXXX and ask for additional information so I sent a certified letter using the address that Experian provided and it came back as Return to Sender Attempted- No Known unable to forward. I am confused show did they not have the correct information if they researched it? I have been fighting this for sometime now and would really like this resolved
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure deposit my direct deposit from my employer and any incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXporting 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 consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$650.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Reopen XXXX. Company failed to response and refuses to address the issue with customer- routinely hanging up calls after refusing to escalate to management.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collections Services sis reporting incorrect information to the credit bureaus, currently reporting late payments on an account that is in collections, and has no payment agreement in place. Therefore, misrepresenting my relationship with them, and causing harm to my financial situation. 

Collections accounts are not allowed to have a history of late payments! I do not have a payment agreement in place with this company. Please delete this grossly incorrect and damaging reports from my credit reports. A collection is by default, derogatory, this goes without say. Please delete this immediately!
Product: Consumer Loan

I was applying for an auto loan between numerous banks. Wells Fargo Dealer Services denied me because I did not meet the minimum age requirement. I received letters from XXXX financial institutions stating age was the only factor in denying me an auto loan. I have held on to these letters and I am submitting this request because I believe they wrongfully denied me credit. I am XXXX years old ( XXXX on XXXX XXXX ), which is more than within the minimum age requirement according to the Equal Credit Opportunity Act. I have supporting documents and am more than willing to provide this information**The Equal Credit Opportunity Act states : Consider your age, unless : you 're too young to sign contracts, generally under XXXX ; you 're at least XXXX, and the creditor will favor you because of your age ; it 's used to determine the meaning of other factors important to creditworthiness. For example, a creditor could use your age to determine if your income might drop because you 're about to retire ; it 's used in a valid credit scoring system that favors applicants XXXX and older. A credit scoring system assigns points to answers you give on credit applications. For example, your length of employment might be scored differently depending on your age. 
**
Product: Bank account or service

I 've had an on going problem with my checking account recently. First off, I had trouble with my insurance lady to try and cancel my auto payments. She said she did, she did not. Payment still went through, overdrew my account. I filed a dispute and instead of the insurance company putting the money back in my account, they sent me a check. In the mean time, the bank just kept racking up the overdraft fees after saying they all would be taken care of after the dispute. Now, weeks later I am still without a bank. Negative over XXXX in overdraft fees which I ca n't pay and when I call to explain, they ask if there 's anything I can do about that? I filed a dispute. They said they never got forms which I never got In the mail and closed my case. I went into the back and talked to a guy and he faxed a new case over, they mailed it back to me to fill out my account number, and send it back so I did that. Then I get a letter saying they never got the form again and closed my case again. Please help. I do really like Huntington bank. Now that the locations have more than doubled it 's been more than convenient. And if they close my account, it will be more than inconvenience to find a new bank. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Report reviewed XX/XX/year> with no accurate update after requesting removals from bureaus equifax & XXXX.
Product: Payday loan, title loan, or personal loan

1.I have never had an account with this company XXXX XXXX XXXX XXXX from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are MARINER FINANCE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting or other personal consumer reports

THESE INQUIRIES and COLLECTIONS ARE UNAUTHORIZED AND I AM A VICTIM OF IDENTIFY THEFT BY INFORMATION BREACH. 
Remove all listed from credit reports, XXXX XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The company keeps contacting me in regards to XXXX XXXX. I am NOT XXXX XXXX and I do not know and am not Related to any XXXX XXXX. I informed them that under the consumer protection laws they have no right to continue to harass me or to even call me in regards to someone they believed I knew. This company acts like they think they are contacting XXXX and we i again inform them I am not XXXX. they change their approach and claim this XXXX. gave them permission to contact me which is also not true since XXXX doesnt even exist. I get called almost every day and multiple times a day for a debt I HAVE ABSOLUTELY NO CONNECTION TO! They call themselves offices of Patients accounts and when they call they block their contact info from being displayed and it says Unknown Caller unless you click the call in your call log to display the original calls number. This phone number is XXXX XXXX XXXX XXXX but it is not the only number they have used its just the most recent phone number to be used.
Product: Credit reporting or other personal consumer reports

My old Room mate had opened stuff up in my name and I am now trying to get this off my credit.
Product: Debt collection

I have not missed a single payment since Ive had a mortgage through Newrez LLC. ( Since XX/XX/XXXX ). My automatic mortgage payment is set up for the first of every month. 

Present Time : In XX/XX/XXXX, my email and payment history shows that Newrez LLC drafted a payment for my mortgage amount, just to put it back. They then drafted another payment ( same amount ) to put it back again on the XXXX  of XXXX. While looking at my payment history, and email, I did not receiving any notice of error nor reasoning as to why my money was never actually received, deposited or better yet attempted by NewRez to be taken out of my bank through autopay. I believe they are trying to scam me by not legitimately drafting my AUTOPAY mortgage, resulting in me being late so I am charged with interest. 

On the XXXX of XXXX, I looked at my bank account and saw that NewRez never ended up drafting my mortgage payment through my bank- my bank didnt even show a pending payment marked for XXXX. I looked at my email and have a receipt stating Newrez drafted the payment on the XXXX of XXXX. There was enough money in my bank account to pull the mortgage amount ( given Ive never missed a single payment ), so I go ahead and call Newrez so they give can give me information as to why the payment shows its paid but is not reflected in my bank account. They give me no information as to why they didnt receive the money other than it was a glitch and an error. When they told me to look at the payment history, it looks like they tried to draft the payment a couple different times yet, it never reflected or was confirmed by my bank. So, I was forced manually on the XXXX of XXXX to make a manual payment & it immediately went through with no issues. Again, I was told it was a glitch in the system and they werent sure as to why there was a glitch nor what the glitch specifically was. I was not notified by email or text that my payment was not received- this was fishy to me. 

Come XXXX, Im having the same issue. There is money in my bank account. It shows that they drafted it, and yet there has not been any money or even pending payment through my bank showing that they attempted to draft it nor any markings with the payment history that show any error on their side. I called to get ahead of it before it gets too close to the XXXX so ill be charged with a late fee and they gave me nothing but attitude, no answers as to why they arent pulling my payment AGAIN when the money is there in my bank account. They continue to tell me theres nothing they can do once they draft it, and we just have to wait. Ive been told to wait for now five business days past the time it shouldve been taken out, or at least marked as a pending payment in my bank account but nothing. Something fishy is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$950.00} XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$950.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Notice of dispute under the authority of the FCRA. XXXX XXXX  and XXXX XXXX XXXX  are reporting taxable income to my consumer report. A charge-off becomes taxable income for the consumer as the amount charged-off by the Creditor is added to the consumers annual earned income through the filing of IRS form 1099c. This is a direct violation of the FCRA and affirmed in ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit report attached is evidentiary documentation of violations reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some negative information that has been reported on my credit report. After reviewing my credit report, I have noticed several items that are incorrect and I request that they be removed from my report immediately. 

Firstly, the personal information listed under account number XXXX XXXXXXXX XXXX XXXX NJ XXXX, dated XX/XX/XXXX, does not belong to me. This address belongs to someone else and should be removed from my report immediately. 

Secondly, I have no recollection of authorizing a credit pull by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did not give any authorization for this inquiry, and I demand that it be removed from my credit report. 

Finally, the account number XXXX under the name of XXXXXXXX XXXX XXXX is questionable. I would like clarification on this account, or I demand that it be removed from my credit report. 

I am requesting that these items be investigated and removed from my credit report as soon as possible. I appreciate your prompt attention to this matter, and I look forward to receiving a response from you. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Debt collection

worked out agreement with collection agency that was servicing the loan for XXXX which is XXXXXXXX XXXX XXXXXXXX the party for XXXX XXXXXXXX XXXX XXXXXXXX promised to not only remove and delete the file put also stated the original credtor would remove from credit reporting i dipputed this XXXX XXXX XXXX updated the balance and failed to remove the debt