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

Due to a update of my credit report to all three credit bureaus. I founded numerous inaccurate/unauthorized fraudulent accounts. 
That are in violation of FCRA. 
15 USC 1681 Section 602 States I have a 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 of consent.

15 USC 1602 The terms : ( h ) " credit sale '', ( i ) " consumer '', ( j ) '' open end credit plan '' and " open end consumer credit plan '', ( p ) " unauthorized use ''  15 USC 1611- Criminal liability for willful and knowing violation ( 1 ) gives false or inaccurate information of fails to provide information which he is required to disclose under the provisions issued thereunder. 
Neither bureaus ( XXXX, Experian and XXXX wasn't willing to accept my proof by phone or mail. That's why I'm submitting a letter as exhibit A. and exhibit B. is a complaint to FTC in Identity Theft .... 

Thanks In Advance!!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXX XXXX XXXX  XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Mortgage

Hi, this complaint is an extension to my previous complaint. I asked my mortgage company ( caliber ) to do me a loan modification more than 10 times and they promised to do it and so far ( about 5 months now ) I did not even received the loan modification application yet. 
My monthly income have been reduced because of covid and I need a lower monthly payment so I can resume payment.
Product: Mortgage

I have made many calls to USBank thought the years to request an explanation on why my balance Never goes down. On XX/XX/XXXX I called the XXXX to see why? my payment had gone up to {$240.00} when the usual payment was {$100.00}, at this point the recording told me my balance was {$16000.00}, when my statement states {$12000.00}. I spoke to XXXX from Loss Mitigation then she couldn't see my payment history and transferred me to XXXX at XXXX XXXX XXXX ( XXXX ) XXXX. She confirmed that the principal balance was {$16000.00}. I told her this was out of the question since I had been paying {$100.00} per month since I contracted and opened this equity line of credit on XX/XX/XXXX according to their statement. She said she would send it to get a investigation and allegedly took off a bunch of fees. I requested they review my payment and open the investigation. I waited the 7 days and no call no response the US Bank. Well they closed the investigation WITHOUT letting me know and when I called again to find out why they closed the investigation they said because of the fees they had attacked on. I requested the payment history and I only got payments from XX/XX/XXXX. I think they have cheated me with fees and have taken advance that I was laid off work they put a lean on my house which is now removed but they have a hidden agenda. I wonder how many customers have gone though a similar situation with USbank. According to their statement on XX/XX/XXXX I owed a balance of {$12000.00} and ( {$3100.00} ) in Fees. What is this about. I would like an investigation and a Fraud case opened on this fees and on this balance. Also they are hiding payments I have made. Why is it, that they did not, include those payments when I made a request of all my payment history? On their own letter it states in response to my request see transaction history since XX/XX/XXXX to XX/XX/XXXX However no transaction from XX/XX/XXXX are included if you see page ( 1 ) of ( 8 ) the transaction history USbank sent me starts on XX/XX/XXXX. What happened to all the transactions from XX/XX/XXXX to XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts : XXXX. " XXXX XXXX XXXX '' Account Number # XXXX ( Original Creditor : XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX  '' Account Number # XXXX ( Original Creditor : 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : # XXXX XXXX XXXX XXXXXXXX, XXXX {$310.00}. XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX {$260.00}. 
Account name : #, XXXX Number XX/XX/XXXX Account name : # XXXX XXXX  XX/XX/XXXX {$280.00} Account name : # XXXX. XX/XX/XXXX {$95.00} Account name : # XXXX XXXX XX/XX/XXXX {$870.00} 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: Checking or savings account

XXXX I contact bank of America to request an updated card and transfer my monies. Also, I am having issues with previous deposits from XXXX. I do not have access to the online data I have attempted several times but still no response as of to date. 

I need my card shipped and monies transferred. Alos, I need my deposits from XXXX to be reconciled with EDD. It appears I am missing my deposits which should total XXXX instead it appears to be short XXXX.
Product: Debt collection

I have made a previous complaint under XXXX to XXXX of XXXX regarding a credit card that was paid off to them in XXXX. They informed me they sold the debt to XXXX XXXX XXXX XXXX and the account was serviced by XXXX. This account should show as paid in full. The last balance was {$180.00} XXXX of XXXX and this was paid.
Product: Mortgage

I am in the process of being reviewed for modification my for my home which is also qualifies as a senior center in the XXXXXXXX XXXX XXXXXXXX. My loan is with Wells Fargo but being held in what is " The review period prior to being submitted for review '' so that documents are being requested from my up to 12 at a time to " consider me for a modification while the foreclosure process is still taking place with a sale date set for tomorrow XX/XX/2018. 

I purchased this home with a partner who died after we moved in and I have been struggling to make payments. They have never gone down, only up - which has nearly trippled from when I first bought the home with a predatory adjustable rate mortgage. 

I submitted complaints to the CFPB regarding the Wells Fargo requesting documents from me then 3 days later ( never giving me a deadline and forcing me to scramble to get documents from the IRS not knowing if they were sending me on yet another wild goose chase ) then telling me that it is too late to review any of the documents when I got them to Wells Fargo promptly over 12 items in less than 3 days.. Asking me for proof of occupancy from my contributor THEN telling me that even if I submitted proof of occupancy of myself and my contributor even after evicting the tenants from my property, the contributor who is my partner ( we live together and have for over 3 years ) his income would STILL NOT be included in our household income and so that Wells Fargo could disqualify my from being eligible for a modification. 

I received a call after filing my complaints from XXXX XXXX in the Office of Executive Complaints and she stated that she has received all of my complaints and is in the process of researching but has just begun and said that her final decision already has been that Wells Fargo will not consider me for modification or postpone tomorrows sale regardless of the damages and before taking the CFPB complaint into consideration. 

Wells Fargo does not respect what the CFPB stands for nor their process. When my complaints have come in, all that Wells Fargo has done is sent me letter stating that they have reviewed my complaints and come up with excuses to validate their behavior and even withholding information from me about my loan and what was required of me to complete the modification process. I have to guess what is needed and even then it is being ignored. I have witnessed some very unethical behavior on the part of wells fargo and several of its employees in the Office of Executive complaints and the collections department. Also within Home Preservations. They find struggling homeowners to be amusing and play a cat and mouse game with them while they watch their homes go into foreclosure. This is not a institution that should be issuing mortgages for homeowners not owner occupied homes where this is your largest financial asset, nor treating sub prime homeowners with loans from the great recession as if they are just another penny in their coffers. This is highly unethical and clearly the culture of this institution in every department for every product that they provide under the umbrella of " Wells Fargo ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a vehicle loan with XXXX XXXX XXXX for a vehicle I purchased CPO in XXXX. I had setup an auto-pay account through their service and had no problems until XX/XX/XXXX. My husband and I moved to XXXX  in XX/XX/XXXX but, realized my checking card had been stolen so we had to disable access to the account. I recognized immediately and changed the checking account online for XXXX to draw from but, for whatever reason - the payments were note being pulled on their end. Apparently they tried contacting me but, my phone service may have blocked their calls as SPAM so I never had a chance to interact with them until I realized the following month that payments had not been withdrawn. They recognized the issue/error on their end that the payments were not being withdrawn and they fixed it immediately. I paid off the missed payments as well as the current month in full right away however, this ended up resulting in a delayed payment notice. I submitted an appeal to the CRA but they did not appear to address my concern or issue with this and these two delayed payments are severely impacting my score. I am a XXXX XXXX at the XXXX XXXX XXXX in XXXX XXXX and have not had a lot of time to deal with this until now and I'm looking for some help to correct this and request forgiveness for the delayed payments that I paid in FULL as soon as possible. I am looking to purchase a house and this is negatively impacting my ability to do so in the near future.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, 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 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 in months that are reported late to be removed.

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. 


XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Product: Debt collection

Has requested a debt Validation request along with A FULL AUDIT TRAIL, LIMITED TO GENRAL LEDGERS, PURCHASE LEDGERS, ANY BOOKKEEPING, ANY PRINCIPAL INTEREST OR INTEREST INCOME APPLIED ON PRIVATE LEDGERS. NFCU HAS NEVER GIVEN ME THE OPTION OT OPT OUT OF HAVING MY PERSONAL NON PUBLIC INFORMATION SHARED, NEVER HAS SUPPLIED PROOF OF SUCH. PURSUANT TO 12 CFR S EC1016. ANY ACCOUNT MUST BE DELETED. AGGRAVATED IDENTITY THEFT. NAVY FEDERAL CONTINUES TO VERIFY THE ACCOUNT AND ACCURATELY. WILLINGLY REPORTING THIS INFORMATION UNDER FALSE PRETENSES.
Product: Credit reporting, credit repair services, or other personal consumer reports

This absolutely unexceptionable that I have to submit a CFPB Complaint against the bureaus because they claim that the in accurate information I disputed on my credit report XX/XX/XXXX is verifiable. Also, I will be filling a complaint with the XXXX  due to the mistreatment and unwillingness to help me resolve this hardship the bureaus have brought upon me. Its impossible for me to live The American Dream with the credit bureaus reporting inaccurate information that is burdening me from get home, low interest rates and etc. I submitted another complaint on XX/XX/XXXX I demand to know how these inquires were verifiable even when I stated this was unverifiable information that is also inaccurate on my credit report. I don't know who's this inaccurate and unverifiable information belong to but I need it deleted off my report immediately. I feel as if the bureaus are trying to waste time by claiming this inaccurate information on my credit report is verifiable. I have been put through enough hardship this year during the Covid pandemic. I demand proof of the original application be provided to me that I signed and agreed to these erroneous inquiries on my credit report. If the bureaus can not provide me the original application! I demand this inaccurate information be deleted of my credit report immediately. The next step that will be taken if this inaccurate information is not deleted immediately will be me seek litigation. Ive been going back and fourth with the bureaus since XX/XX/XXXX Ive had enough and will take legal action for the hardship and time the bureaus have cost me trying to resolve this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was on the XXXX XXXX website. After selecting a vehicle, there was a statement to pre-qualify for the loan and that it would not affect my credit score. I pressed the pre-qualify button, answered questions and received about two emails stating that I had been approved. Then, I received a call from XXXX to follow up on the questions. Since he discussed more than the questions, I asked if he did a soft or hard inquiry. He said a hard inquiry. I said that I only consented to pre-qualify, which is a soft inquiry. I told him that it was fraud and I wanted it removed from my credit report. He said that I was not approved based on something else and he would direct me to his fraud department but I declined. Next, I immediately sent a message to XXXX customer service via website. The following day, XX/XX/XXXX, they sent an email stating : that they provide a space for buyers and sellers to connect on their website and the loan pre-qualify is from XXXX, a third party auto loan company that advertises on their website. Additionally, I could contact XXXX and they apologize for the inconvenience. So, I have been monitoring this issue through XXXX  ( XXXX and XXXX ) but it never showed up. However, I recently received a letter from XXXX/Santander Consumer USA, which mentioned it reported to XXXX. Finally, this is why I am filing the complaint now and I want the hard inquiry reversed to soft inquiry. FRAUD ... ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX details XXXX XXXX, XXXX XXXX XXXX from XX/XX/2018 2018
Product: Checking or savings account

Please contacting me through email. Thank you! 
On XXXXXXXX XXXX, I opened a saving account on Marcus by Goldman Sachs. 
After that, I graduated from university, so my personal information were changed, including the address and phone number. 
This year, it was already one year and I need to get my money and interests back. So on XX/XX/XXXX, I called Marcus by Goldman Sachs, I gave them all my information, including my ssn, date of birth, and my secret word, and asked them if they could first change my phone number and address. They told me they needed to raise a case for the review team to look at this and asked me to call back after 3-5 business days. On XX/XX/XXXX, I called back and they told me the same. Then on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I called back and only received the same feedbacks, they needs review team to review, call them later. On XX/XX/XXXX, which is today, I called back and asked if they helped me change the information. However, what they told me was that they closed my account without my permission and did not tell me where my was transfer to. My only request all the time was changing my phone number, but they just kept let me waiting and suddenly they closed my account without informing me or helping me change the number. 
I guarantee that everything I say is true, as evidenced by phone recordings, and I have always emphasized that no matter what information they need, I can provide it, including my ID. But without any communication with me or my permission, they closed my account at will and emptied my deposits. They did not ask me where the deposits needed to be transferred, and they refused to tell me where they had transferred the deposits. In my eyes, this is no different than outright stealing. Therefore, I can only turn to your side. These savings are the money I saved little by little when I was in XXXX, hoping to pay for my own XXXX XXXX. I hope to punish unscrupulous bank. I prefer contacting me by my email address. Thank you so much!
Product: Credit reporting or other personal consumer reports

've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX account number XXXX date opened XXXX XXXX XXXX
Product: Credit reporting 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. 

Account name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states That 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. And this inaccuracy is Stopping me from getting Approve for credit card nor by a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to have these items removed reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a home improvement loan and the agencies are not removing old fraudulent & incorrect entries on my report. I requested removals several times both online and via mail. Many of the companies reporting fraudulent info had mail bounce back from XXXX with invalid address when I tried to contact them. 

XXXXXXXX XXXX - false medical debts on XXXX XXXX XXXX ( Equifax deleted it ) XXXX XXXX & XXXX XXXX- duplicate secured card accounts that were closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on all three agencies XXXX XXXX - secured card account that was closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on XXXX and Equifax ( TU deleted it ) XXXX court - this false information is still being reported even though I requested proof of their source XXXX times via mail. No response from XXXX XXXX XXXX. Equifax deleted it. 

Fraudulent inquiries from XXXX and XXXX that only appear on XXXX