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

I submitted a dispute to Experian on XX/XX/2022 about account XXXX XXXX XXXX XXXX. I asked Experian to validate this account. On XX/XX/2022, Experian updated my consumer report basically removing a late payment from XXXX XXXX XXXX XXXX. I never received any information as to how this account was validated. According to 15 U.S. Code 1692g ( b ) - ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX

Account # 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 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Im writing about the Wells Fargo settlement in which my mortgage was illegally foreclosed on and all paperwork was done without my permission or consent I wanted to keep my house but Wells Fargo foreclosed after only a few months and refused to work with me even after I expressed that I wanted to keep my home this was in XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX. XXXX Transunion The following Inquiries are not mine nor are they a matter of fact as I have never applied for credit nor have, I allowed anyone to apply for credit with them using my personal information. They are fraud and under section 1681c2. Block of information resulting from identity theft Even though they are not accounts they fall under the same Identity they protection and must be removed and blocked from my credit report. 

XXXX. XXXX XXXX XX/XX/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 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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : 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: Checking or savings account

A fiduciary account was closed with Mechanics Bank. A request for bank statements was requested but not provided when requested. At one branch location a request for a court order was required before bank statements. At another branch location the employee was unable to locate the account in banks computer. No record of a closed or a previously opened account was found. A request was sent by the employee to the research department with no record found of the account. The customer service center advised that statements can be requested with in the branch for a {$5.00} per statements. This is a violation of consumer rights for bank statements to be provided for customer own records. A complaint will be filed with the FDIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Debt collection

After receiving multiple calls from - I assumed they were spam, my phone identified them as such, I received an email from XXXX XXXX and Credit aka XXXX  - stating tthat they were trying to collect a debt to XXXX XXXX - about 30 days after the calls started. I then called the listed number in the collection email rthree times over the course of a week, while there was an option to leave a message, there was no name or identification on the message mailbox. I then wrote to the email on the collection email asking for proof of the debt and delivery of notice to collect within 5 days of the first call. I have been trying for over 2 weeks to get proof of notice. They have repeatedly dodged sending proof of the notice. I have told them twice I would file a complaint if they did not. After I sent a final email asking for proof 5 days ago, I have not received a reply. I have asked them several times as well to notify XXXX XXXX that the debt has XXXX cleared so that I can pay my bill with them and rejoin.
Product: Credit card or prepaid card

XXXX ( through XXXX XXXX XXXX ) offers promotional 0 % interest on certain purchases. I opened a new account and made a purchase for {$4900.00} on XX/XX/XXXX. They market this as 0 % interest for 12 months. I made additional non-promotional purchases during the same billing cycle for {$860.00} and retuned {$140.00} for a net balance on those non-promotional purchases of {$720.00}. On the first statement due date of XX/XX/XXXX I paid {$750.00}, but was charged interest. 

I spoke with XXXX on XX/XX/XXXX and they indicated that {$170.00} of my payment was applied to the promotional balance, leaving an outstanding balance of {$150.00} on the interest bearing non-promotional purchases. 

Within the promotional fine print there is a disclosure that a minimum principal payment will be applied each payment cycle, but nowhere on the statement does it disclose the amount that will be applied to the promotional balance, so there is no way to know how much you need to pay to cover both non-promotional purchases and the minimum principal payment due on the promotional purchases unless you call them in order to avoid paying interest on any non-promotional purchases
Product: Debt collection

this is a copy of what was sent to the company : Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 

12 CFR 1006.34C Notice for validation of debts : this serves as notice for violation of providing any of the required 13 consumer disclosures ; provide proof of each disclosure. 


Their reply was they refused to follow FCRA laws and will continue to report. This company is violating FCR laws and has refused to comply with my request for the 13 disclosures. Please remove from all credit reports.
Product: Mortgage

In XX/XX/XXXX, I took it upon myself to notify my sister 's mortgage company. I called and told them that she was in the hospital and she was not able to pay her bills. they took my name, address and phone number at that time. 
My sister passed away on XX/XX/XXXX, at which time I began the process of becoming the personal representative of her estate. 
I was unaware that her home was in foreclosure due to Pennymac not notifying me, although they had all of my information. 
While on a zoom call on XX/XX/XXXX for a conciliation conference, I spoke to a lawyer appointed to me. It was at this time that he gave me the information to submit a complaint. He agreed that I had a valid complaint. 
In the meantime, my sister 's home went under contract. 
I think under the circumstances that the foreclosure fees of {$3900.00} should be reimbursed or not be paid at the settlement on XXXX XXXX.
Product: Mortgage

This is a response to complaints XXXX XXXX XXXX in which we felt that we were given an incorrect payoff amount and charged grossly injust late fees and extension fees. In addition, there were seveal unapplied payments that have not yet been reimbursed. 

There was also an issue with the escrow account in which BSI recorded that they paid the outstanding taxes out of escrow in the amount of {$12000.00}, but we have provided proof that they only paid {$10000.00} to the tax authorities. The difference owed to us is {$2600.00}. 

They did state in their last response that they did miss the unapplied payments, and I am assuming they are going to refund those payments for {$6800.00}. We are asking for confirmation on that refund and an expected time of delivery. 

We are also asking for the unpaid taxes to be refunded to us in the amount of XXXX. 

That will be a total refund of {$9500.00}. 

We still feel that the unjust and deceptive late fees still need to be reviewed, but this complaint if focusing on the unapplied payments and the under paid taxes. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Had a home loan with Wells Fargo in XXXX but had declared bankruptcy. House was sold but Wells Fargo would not close on the sale until all equity in the home was used to pay interest fees on house. Went into bankruptcy in XX/XX/XXXX and house was sold in late XX/XX/XXXX but could not close until XXXX, XXXX because Wells Fargo held up the sale.
Product: Money transfer, virtual currency, or money service

My taxes were filed XX/XX/2022 and XXXX XXXX and XXXX XXXX repeatedly stole the money from my account each time the irs deposited to XXXX XXXX  I received denial letters my taxes were deposited again on XX/XX/2022 and they stole them again. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX all helped each other as they have been getting loaners payday advances in my name These people began stalking me and my family installing listening devices and tracking devices these people have been terrorizing me and my family for months and has stolen my entire life I have been notifying current bank and current kept allowing these people to steal my funds. These people are relatives of mine and I just pray to get some help and closure
Product: Credit reporting or other personal consumer reports

This is my formal notice of these items not being 100 % accurate and resulting from identity theft. My information has been misused and has led to these fraudulent items appearing on my report.
Product: Bank account or service

We purchased a travel trailer from a private party. They paid off their loan with Bank of the West in XXXX XXXX, OR on XXXX XXXX. Bank of the West wrote a letter to their borrower on XXXX XXXX stating they should have their title in about 10 days. It has been 27 days since that loan was paid and we ( the buyer of the travel trailer ) still do not have the title. Totally unacceptable that we can not use something we have purchased.
Product: Consumer Loan

I applied for a loan and the interest is 33 % percent over a 5 year. I tried to get them to lower my percentage rate.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} 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
Product: Debt collection

This is a complaint from XXXX XXXX against IQ Data International for IQ Data 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, IQ Data International. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XXXX XXXX, 2016, IQ Data responded with the same information as the original letter, and no addition information proving ownership of the debt. On XXXX XXXX, 2016, consumer responded again asking for same. 
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Checking or savings account

In error, I submitted a payment to XXXX XXXX through my bank, Fifth Third. I contacted XXXX XXXX less than 30 mins after the payment was made. XXXX XXXX was unable to stop the payment as it had not posted, they suggested I contact my bank. I reached out to Fifth Third who said they were unable to stop the payment. This has an internal case number of XXXX. After escalating this to a supervisor, they finally offered to put a stop payment in place for a fee of {$33.00} with no guarantee that the payment would be stopped. This was only less than an hour after I had input the payment. It is inconceivable that a bank as large as this is unable to assist with what is a simple request given the very short time from notification of my error. If my account becomes overdrawn, I am responsible for any overdrafts that might occur even with my request to stop only 1 hour after the payment request was input.
Product: Debt or credit management

My information was exposed in the data breach I would like for everything to be removed off my account asap
Product: Checking or savings account

My husband and I have a joint account with Ally Bank. Recently there were unauthorized transactions ( we never lost the debit cards and they are still in our possession ) and we lost about {$1700.00} due to a data leak on the bank 's end. We want Ally bank to return our money immediately. 

My husband and I have been Ally bank customers for a long time. We each have a debit card for the joint checking account and we have the Ally bank app in each of our phones, which we use to manage the debit card. We have taken multiple steps on the App to make sure we are securing our account. 

1 ) The app has a manage debit card option, which we use to lock the debit cards. We only unlock them when we are at the ATM to get money and then we lock it again immediately. At the time the unauthorized transactions took place, the cards were locked. 

2 ) Additionally, the app has a feature where it says when unlocked what kind of transactions are permitted. Using this feature we authorized the card to be used only as an ATM card. However, even with this safety measures from our side, our debit card was charged XXXX times on XX/XX/XXXX ( Thu ) Evening. 

3 ) Also we had setup alerts to notify ( text and email ) us with transaction over {$0.00} Our debit cards were charged 7 times on the evening of XX/XX/XXXX. We did get text and email alerts. We immediately called the fraud line by using the automated option we indicated that these are not authorized transactions. The fraud line did not have a live person at the time so we called the Ally bank customer service. The wait was over an hour long ( The customer service agent did communicate to us that they are getting similar calls a lot which is causing the long wait ). The chat option from the bank said the wait time is over 4 hours. In the meantime my husband send an email ( via their website by logging into our Ally bank account ) that these are not authorized transactions and should not be processed. When we finally got to talk to the agent, they told us that they can not dispute the transactions until they formally post in the account ( at the time they said it was pending status, however the available amount in our account was reduced to account for those XXXX transactions about ~ {$1700.00} ). As of today ( XX/XX/XXXX ) those fraudulent transactions have posted in our account. We called them back at least 2 more times and spent additional 3 hours waiting in line for Ally Bank customer service, but we were able to formally dispute those transactions. Ally Bank is still not committing to refund our money and we want them to refund our money immediately.
Product: Credit reporting or other personal consumer reports

I am making payments on this account and it is not being reported to Experian and when Experian investigated they also did not update the information based on the attachments clearly showing that I've made payments. I want this updated and corrected immediately. Clearly shows I made a payment in XXXX over {$200.00} and payment is not due until XXXX. The payment was paid on XXXX the XXXX it was due XXXX the XXXX and it is not past XXXX  days late it was only XXXX  days late. I attempted to contact Affirm awful times to change my payment date based on when I was paid and due to being in the hospital for COVID and incapacitated and not working. They have refused. I have evidence to support this as well. Medical needs take precedent.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective steps to prevent and address fraud on their platform, leaving my account exposed and unprotected.

Additionally, their dispute resolution process was both unfair and deceptive, as they failed to adhere to error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These violations have caused me considerable inconvenience and financial loss, and I am seeking appropriate resolution for these issues.
Product: Credit card or prepaid card

I recently received a letter from XXXX stating that a credit card for their store was opened up in my name. I never applied for the card. I called the company and they said a block was put on the card. I asked them to cancel the card and the lady helped me out with how to proceed with the process. they were able to access a card by having my phone number and my social security, No charges were made on the card because theyre was a security hold put on it.
Product: Credit reporting or other personal consumer reports

I was never late on the accounts that are listed below along with date please show me documentation showing proof of transaction showing that I was ever late to support your inaccurate reporting on my consumer report. If you cant supply the previous request please correct status to " paid as agreed/current ''. 

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