23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently read an article on XXXX RE : If you had a Wells Fargo account between XXXX and XXXX, you might be XXXX of the XXXX XXXX customers who qualify for damages, says the Consumer Financial Protection Bureau ( CFPB ). 

As part of a {$3.00} XXXX settlement, Wells Fargo has agreed to pay more than {$2.00} XXXX directly to customers harmed by " illegal activity, '' ranging from incorrect overdraft fees to wrongful foreclosures- I am XXXX of these people. I reached out to Wells Fargo, as the article advised and my information no longer exists in WellsFargo 's database. My loan and info was purged from their system. So, the article said to fill out this form next. 

I attempted to refinance and because of WellsFargo 's illegal practices, they stole my home and foreclosed. They had even advised me to stop paying the up to date and current mortgage. 

I want the damages that are owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my XXXX XXXX. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Debt collection

XXXX. Received phone call from Atlantic Recovery Solutions. They stated that I owe debt to XXXX XXXX with XXXX XXXX. I XXXX XXXX was put as an authorized user on XXXX XXXX XXXX card. Authorized users per the guidelines are not responsible for debt owed. The debt collector kept stating that XXXX is a co-signer but failed to provide proof of that. They failed to provide proof of the original bill showing who owes the debt. I never had a physical card either. They have made threats about court and judgements placed on my name. They have called multiple family members in an attempt To collect XXXX XXXX debt. XXXX also contact them to set up a payment arrangement yet they still Placed my name on the validation letter. Furthermore, if I owed this debt to XXXX XXXX why was I never contacted about this debt since its from XXXX and it has never been placed on any credit report. Please see to it that this complain gets resolved this collection agency utilizes nasty and illegal tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I recently disputed a late payment report from Sears on XXXX complaint # XXXX. This issue occurred on XXXX and XXXX of XXXX where a late payment occurred. This was XXXX XXXX years ago! At this time, Sears was experiencing some financial issues as well. Their communication with their credit card owners was Not consistent, and they later closed the local Sears store. I did resolve and make the payment many years ago, and this account was closed. Sears responded by updating information. I am strongly requesting that this item be REMOVED from my credit report due to the length of time that has passed and its irrelevance to my otherwise excellent credit payment history. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

To summarize, Barclays charged me {$220.00} interest on a purchase that was not even due to be paid yet. 
My last statement on XXXX was only {$280.00}, so the interest is not on the previous balance. 
The next statement ending on XXXX showed a balance of {$15000.00} due on XXXX. 
In this statement period ( XXXX ), I made a {$12000.00} purchase. This purchase was made on XXXX, within the statement period of XXXX. 
The statement charged interest on this purchase immediately, and added an interest charge for that period XXXX before the statement due date of XXXX, or even before the closing date of XXXX. 
I have tried to resolve this several times via phone, via message on the Barclays site on XXXX, XXXX, XXXX, and via email to the office of Barclays president on XXXX, with no reply. 
I believe this is violation of the credit Card Act of 2009, and other laws governing credit card companies. 
Please help me resolve this matter. 
Thank you, M # # # # D # # # # #
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor Klarna is misleading consumers with the option to pay for an online purchase in installments using a card and asks for address, date of birth and without consent or warning attempts to pull your credit report ( which mine is locked ) and then declined the purchase with the reason " report is frozen with XXXX  '' How can Klarna even verify they have accessed the correct report with having provided them a ssn. Its very misleading and there should be a disclaimer so consumers are well aware. Had I known I would not have entered my information. They are acting as though this is a buy now pay in 4 payments like XXXX and that is false. See supporting screen shots.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a line item on my credit report with Transunion. 
It was for a XXXX XXXX account and the date of first delinquency and date account would be removed. 
I have documentation from XXXX XXXX in response to a XXXX XXXX XXXX  complaint that states the following. 

Date of First Delinquency is XX/XX/XXXX The Fair Credit Reporting Act allow accounts to stay on credit reports for 7 years from the Date of First Delienquency. Transunion reports this account being removed on XX/XX/XXXX, one year past the allowable date. 

Please see all attachements from XXXX supporting my cause. TransUnion is the only reporting agency yet to correct this error, since the information doesnt meet their criteria.
Product: Consumer Loan

I have over XXXX inquires that have been filed for a car loan. Over XXXX of these inquires was done. I have called the finance companies, and they have refused to remove the inquires from the credit report. The credit agencies, XXXX. XXXX, and XXXX have told me that I half to be present in the dealership in order to run my credit. The dispute case that I have is the confirmation no. with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$12000.00}
Product: Mortgage

Never missed a payment, nor have any payments been " late ''. Yet each month Everhome Mortgage calls from an unknown number usually after normal business hours and requests a call back because they have " important information regarding your account ''. However, you can only call the number during normal business hours on the XXXX XXXX ( I live on the XXXX XXXX ). When you do reach a representative, they start with " this call will be monitored for training and security, yada yada ''. Next the representative asks whether you live in the home, whether you plan on moving, are you have financial difficulties, do you have anyone else living at the home, etc. The questions continue until they finally ask, " when will your payment be sent? '' and " why has n't it been sent already? ". Again, I am not behind on payments, never have been and send payment around the same time each and every month. When I remind the caller of this, they say " well it 's due on the XXXX ''. I say I am aware of that and want to know why I am being treated like a delinquent. They reply " because you are not set up on automatic payments ''. When I agree to set up automatic payments they say that there will be a {$10.00} fee if the payment is not processed on the XXXX of the month. Of course, I reply with " you 've got to be kidding, I am not paying a penny more than what is due '' and tell them a check is in the mail then hang up. Because of the frequency and regularity of these calls, I feel harassed by Everhome Mortgage and it 's extremely distressing when they call. Today they called while I was at work and I repeatedly asked what was the reason for the call ( because I am at work! ) the caller said he would get to that after he said his speech about the call being recorded. I told him he has XXXX seconds or I am hanging up. He then said that he was calling about the XXXX XXXX payment and before I could say anything, he says " which was received today, please disregard this call '' and goes into another speech about customer service so I just hung up the phone. Thank you Everhome for yet another harassing phone call that caused me undue stress and embarrassment in front of my co-workers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to resolve this issue regarding a clear violation of the FDCPA and FCRA involving an account that was never mined neither did I receive and goods, services, or money from NCB MANAGEMENT. NCB MANAGEMENT has been notified several times via mail explaining that this Fraudulent account doesn't belong to me but continues to report which is considered willful noncompliance and which may result in damages considering I have been denied credit due to the inaccuracy of the reporting. NCB MANAGEMENT fails to adhere to the FDCPA and must be held accountable for misrepresentation and erroneous credit reporting.
Product: Credit card

I have earlier had a dispute about my credit card with Chase. After checking with XXXX, I find Chase has me listed on a Chase account I do not have. I use to be an authorized user on this account ; however, my name was taken off the account about XXXX months ago. The account number is XXXX and the name on the account is XXXX XXXX XXXX Case XXXX Response.pdf a dispute about my credit card with chase
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Please see attached - I am requesting the consumer report for myself and have attached the form, drivers license, social security card, and address. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX  XXXX XXXX XXXX./XXXX XXXX ( XXXX ) in regard to an unknown XXXX 'XXXX XXXX  account after pulling my credit reports which was said to been verified. XXXX   said they aquired the debt from parent company XXXX XXXX XXXX ( XXXX XXXX ) but say they sold the debt to RESURGENT CAPITAL SERV around ( XXXX ). All 3 companies are reporting inaccuracies to the credit bureaus in violation of CFPB law. XXXX charged off acct. on ( XXXX ) with a balance of {$440.00} which is still reported as XXXX with ( XXXX  ). XXXX 'S also reports acct.with XXXX as ( C/O BAD DEBT ). RES.CAPITAL SERVICES is reporting to ( XXXX  ) the same acct. open with ( BAL.DUE {$440.00} ) on behalf of XXXX from ( XXXX-current ) which I believe is double jeopardy and in violation of CFPB and FDCPA. Its negatively hurting my credit score and XXXX/XXXX  XXXX sent a letter saying they reported  everything to all 3 bureaus accurately and won't remove any negative remarks. XXXX  also shows a Charge-Off from XXXX/XXXX XXXX  on ( XX/XX/XXXX ) and PAID ON TIME status from ( XXXX XX/XX/XXXX ) with Date of Last Payment as ( XXXX ). Which one is accurate. The last reports/updates are ( XXXX XXXX, XXXX  XXXX AND XXXX  XXXX ) which makes me believe they never actually investigated the dispute.
Product: Checking or savings account

My account is a victim of fraud and funds taken out of my account. 

This started when a deposit was made in to my account for {$36000.00} on or about XX/XX/year>. I have tried multiple times to determine what type of deposit, ( online transfer, direct deposit, check, etc ) was made. Chase bank can not or will not tell me this information. 

Immediately funds were withdrawn from my account via coin base and other means. I called Chase and visited a branch to try to verify the funds were good and where they came from. I was told that the deposit was legitimate and valid. Some of the debits on this account were legitimate and made by me. 

The deposit was reversed on XX/XX/XXXX and left my account overdrawn in the amount of approximately {$13000.00}. I told the bankers both over the phone and in-person that this was fraud and I did not authorize this deposit, and that I tried numerous times to find out information about it. 

I was forced to open a new checking account with another bank. On XX/XX/XXXX, I was expecting a payroll direct deposit in my account in the amount of {$2100.00}. Chase told me that they did not receive this payment. On XX/XX/XXXX, the payroll deposit showed up in my account. 

I have been told multiple times over a week that the account will be or is being closed. I tried to withdraw the payroll deposit and told I could not. My employer was made aware of this and stated that they can not issue a reimbursement because the payroll deposit was not declined and accepted in to my account. 

I have made numerous calls and spoken to representatives of the bank and they were not or unwilling to help me resolve this situation, there is a hold and restrictions placed on this account. 

I need help getting my payroll deposit and any other funds associated with my name given back to me at the earliest possible time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital Ome Bank had a balance of {$2700.00} was closed XX/XX/XXXX. Was sent to collections and a law firm named XXXX and XXXX. XX/XX/XXXX I settled with the law firm and made a payment of {$2000.00}. My credit report states I owe capital one {$680.00} however I have a letter from the law firm XXXX and XXXX that the account is settled. This account should be removed as I paid the law firm then settled amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account on my XXXX and Experian credit report. This is an incorrect account that is not mine. I have never used this account nor had an account with this company. I have tried to dispute it and received no results with both of these agencies. XXXX took my  dispute and it was deleted from my credit report. This is incorrect and should not be on any of my credit reports. 

Amount {$420.00} Opened in XXXX Last Balance Date XXXX
Product: Mortgage

Based on the PMI clause, borrower can request the loan to value ratio reaches 80 %. Also, PMI clause states that Loan to value ratio reaches 78 %, PMI can be automatically removed. 

The company conducted the appraisal of my home and told me that my current Loan to Value ratio is 76 %, but the company denied to remove PMI. The requirement is 75 %. 

But the PMI clause that I signed has no requirement of 75 % at all. 

The company must remove PMI immediately based on the PMI clause.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this letter to all 3 Major Credit Bureaus on XX/XX/XXXX requesting an investigation for several inaccurate reporting on the Date of last activity date, High credit amount, date of last payment, last reported date are all inaccurate from one Bureau to another. This is affecting my credit score and my ability to make major purchases. 


To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX XXXX XXXX XXXX XXXX on the date of the last activity section. Transunion is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. 
TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$21000.00} {$21000.00} {$21000.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX XXXX XXXX  {$25000.00} {$25000.00} {$21000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$21000.00} {$21000.00} {$21000.00} Payment Status : XXXX XXXX XXXX  Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Unpaid balance reported Charged off account Profit and loss write-off as a loss by the credit Unsecured grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've sent several disputes concerning these inquiry on my Transunion credit report ; these inquiry is fraudulent and I want them removed.
Product: Credit reporting or other personal consumer reports

I originally submitted a dispute letter, of which I uploaded and attached to specific accounts that needed to be disputed. I mistakenly included some accounts in the dispute letter but I did NOT attach those accounts to the actual dispute. Equifax has since then blocked the accounts that were in the letter, although I did not attach those accounts to the actual dispute. I called Equifax, and XXXX XXXX told me to upload a reinsertion letter explaining that the accounts needed to be unblocked. When I tried to use the link sent by XXXX XXXX, I received a message saying that the link has been cancelled. I called back and spoke to XXXX who refused to re send the link, stating there is no way to unblock information despite the fact that the accounts were unblocked by XXXX and XXXX, and I was also told by another rep 2 hours prior that the accounts could be unblocked. 
Equifax is supposed to report information accurately. I am requesting that the accounts that were not attached to the initial dispute be reinserted as the company has updated the information accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX Reference : XXXX I am writing in response to your letter dated XX/XX/2019. The information in this letter is incorrect and needs to be resolve. On XX/XX/XXXX I called the BBVA customer service loan payment number to make my payment for that month and two different agents REFUSE to take my payment citing the BBVA payment system will now allow them to process the payment. I was willing and ready to make my payment and BBVA did not take my payment over the phone. I insisted and with the help of one of the agents I was able to submit the payment online that day. My payment was not credit until the XX/XX/XXXX but I make the payment on XX/XX/XXXX. I demand that all my calls are to be review and my payment online as well. I request that my payment history is corrected immediately since it is hurting my credit and reputation.
Product: Money transfer, virtual currency, or money service

Found listing for XXXX  on XXXX XXXX. Communicated with seller and agreed to price. Send money via cashapp then the seller ghosted me. Cash app is not willing to help resolve this
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was used without my permission. This was fraud committed by XXXX XXXX XXXX XXXX XXXX XXXX. I did not purchase a car from this car dealership. The dat was XX/XX/2019. The reference number is XXXX. The loan company is GM Financial.
Product: Mortgage

The mortgage company sent us a letter of approval for a conditional short sale, then dropped the ball and wanted us to resubmit all paperwork. All documentation was presented in a timely fashion well before any deadlines. The mortgage agent told our sales agent that someone in the company had dropped the ball because of the XXXX of XXXX holiday, yet I received a denial letter stating the conditions of the sale were not met. The price offered was too little, yet was equal to the counter offer the mortgage company had demanded. My sales agent was shocked when I sent her a copy of the denial letter because it had the mortgage agent signature on it, not some other department. After many calls and emails the agent and her supervisor have not responded. All calls are suposed to be recorded, and we have documentation of all emails sent and received.