23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

URGENT - Hi. I just received a call from Wells, Fargo Home Mortgage yesterday. They told me that they are not going to review us for a loan modification since our mortgage is over {$700000.00} ( they have known the mortgage was {$900000.00} since day one ). They said they are going through with the sheriff sale on XXXX/XXXX/15. This is only 20 days away - we have a farm with horses, cats, etc.!!! This is not fair. They told us they would review our file and get back to us. We have not been treated fairly. 
This is lender abuse. I am XXXX - please investigate. I had sent you a package with all the information back in XXXX. 
On XXXX XXXX, 2015, XXXX XXXX sent us a letter letting us know what she wanted ( the documentation ) needed for a loan modification. She said to send it by XXXX/XXXX/15. 
We submitted all documents in a timely manner on XXXX/XXXX/15. On XXXX/XXXX/15 we received a letter from XXXX XXXX stating that they are reviewing the documentation we sent to them. On XXXX/XXXX/15, we received a letter from XXXX saying that the required information was not yet received (? ), even though they got it and said this in her XXXX/XXXX/15 letter. In addition, the letter on the XXXX did not state what information was still needed. 
On XXXX/XXXX/15 we received another letter from XXXX telling us the sheriff sale would be postponed until XXXX/XXXX/15. We received another letter on XXXX/XXXX/15 stating that XXXX was still reviewing the information ( XXXX ext. XXXX ). 
Then we received XXXX phone calls and letters stating they were reviewing everything. 
Yesterday, out of the blue, we received a phone call from someone else stating they would not do anything because our mortgage was over {$700000.00} and we are going to sheriff sale in 20 days!!!! How can they do this? Our loan has been {$900000.00} from day one!!!! Please help. This is unfair banking practice!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a collection/chargeoff in amount of {$7100.00} as well as reporting a past due balance of {$1600.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance and {$0.00} past due and be removed from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I  have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

I accidentally made a purchase on XXXX on or about XX/XX/XXXX using my USAA account via XXXX. The purchase was immediately cancelled and no confirmation for the purchase ( delivery, tracking, XXXX of items, etc ) was ever given. All I received was an email verifying the confirmation of the cancellation and the refund amount ( which I uploaded and shared with USAA ). I was also told, via email, that the refund would come in 2 separate amounts, {$14.00} and {$24.00} due to the items coming from different vendors. On XX/XX/XXXX a partial refund of {$14.00} was refunded but it was immediately charged back. I have no proof of the {$24.00} being returned at all per my USAA banking statements. I spoke with XXXX and XXXX and both say the amounts, equaling {$38.00}, were refunded to USAA but again, it is not in my account. I have uploaded all documents I have from XXXX and XXXX via the USAA app and received confirmation of their uploads. Upon speaking with the USAA representative, she was able to verify my story and see where the money has never been deposited back into my account however she was able to see where the money was refunded from XXXX but suggested that perhaps due to an error on USAAs part it was not put into my account ( she left notes for the dispute department ). If possible Id like the opportunity to speak with someone to further explain my situation if needed which has been declined and Id like to know why I was never refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced several issues with Equifax several different occasions ( 1 ) I never received any future information about the data breach since I submitted my claim over the past two years and I have contacted them several times. Complaint ( 2 ) Equifax is not reporting proper information regarding my credit report On XX/XX/2020 my credit union reported to balances that had decreased from my auto Loan and a signature loan my total debt has decreased and Equifax has dropped my credit score because this I checked my XXXX  and XXXX  my credit score increased I check all three credit reports daily Im not understanding what happened with Equifax. I talk with a supervisor and she states that they use a certain method to calculate scores and I can not dispute the information that is negative reporting to effect my credit please assist me with this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

westlake financial XXXX westlake financial In accordance with the fair credit reporting act this creditor has violated my rights under 15usc1681 section 602 states I have the rights to privacy 15usc1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written intructions under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$490.00}, The XXXX XXXX XXXX XXXX XXXX ) {$810.00} XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) {$260.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$410.00} XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00}, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$340.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$820.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX {$2000.00}, Department of EducationXXXX XXXX. 

15 USC 1681 section 602a. states I have the right to privacy.

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

15 USC 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency mau 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 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Recieved XXXX voicemails with people claiming to be from American Express, I call the company directly, there was a fraudulent application in my name, so I told them to cancel it and that I did not do it.
Product: Credit card or prepaid card

On XX/XX/2020, I received a credit card offer from Chase for a Chase Freedom Unlimited credit card. The sign up bonus was advertised as : 1 ) {$200.00} statement credit after {$500.00} charged to the card in first three months, and 2 ) 5 % cash bank on groceries in the first 12 months up to {$12000.00}.

Chade has refused to honor this agreement. I contacted Chase credit card sustainer service in XXXX. They claimed to have sent me a letter on XX/XX/XXXX, this was never received. I am signed up for secured online messaging. In XXXX I contacted them for an update. They stayed at one point that a letter would never have been mailed to me, only email. They also stated that I needed to send them a copy of the email, I did this. I received a secured message on XX/XX/2020 stating that they would not honor the agreement. I have closed the credit card and want them to honor the agreement, {$200.00} statement credit to my checking account and credit for all cash back money earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on several occasions working with the credit bureaus and creditor to resolve late payments for both vehicles with XXXX XXXX XXXX. I have paid 2 payments at the same time on several occasions ( 3 times ) and I requested for Accounts # XXXX and XXXX credit payments for each vehicle in XXXX, XXXX and XXXX. XXXX of the vehicles we recently paid off, I have send them a goodwill letter on 4 different occasions and continue working with the credit bureaus to this date. They have tell me its our fault over and over, they will not take responsibility of their error that affecting me of not receiving an opportunity to purchase a home for my family, please help me get this issue resolved in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX, XXXXXXXX XXXX, transunion, XXXX and XXXX regarding the unauthorized disclosure of my nonpublic personal information to consumer reporting agencies without my clear and conspicuous consent. This violation of my privacy rights has resulted in the inclusion of sensitive information, such as my social security number, account transactions, and balances, in my consumer report, and I am seeking your assistance in resolving this matter. 
As a consumer, I applied for credit cards with both XXXX XXXX and XXXX XXXX. Regrettably, these companies unlawfully sold my nonpublic personal information to third-party consumer reporting agencies, without adequately disclosing or obtaining my consent, as required by 15 USC 6802. According to the United States Code, a financial institution must clearly and conspicuously inform consumers that their nonpublic personal information may be disclosed to a third party. However, I was never provided with such notice or given the opportunity to provide my consent. 
On XX/XX/2023, I reported the identity theft to the Federal Trade Commission and provided them with detailed information about the unauthorized accounts on my consumer report. Despite taking these appropriate steps, the reported information has not been removed from my consumer report, resulting in an ongoing violation of the United States Code and a severe breach of my privacy rights. 
I request your immediate intervention and assistance in rectifying this matter. I demand that the consumer reporting agencies promptly remove the unauthorized accounts from my consumer report. Additionally, I seek appropriate measures to ensure the prevention of future unauthorized disclosures and mishandling of consumers ' nonpublic personal information. 
Furthermore, I am deeply concerned about the lack of concern shown by the consumer reporting agencies in addressing this matter. The inclusion of this information in my consumer report represents a significant violation of the United States Code and has caused immense distress and frustration. I request that you convey the seriousness of this issue to the consumer reporting agencies and emphasize the need for them to rectify this situation promptly. 
I would appreciate your assistance in facilitating a fair resolution to this matter. Please keep me informed of any actions taken or progress made regarding my complaint. If necessary, I am fully prepared to pursue legal action to protect my rights and seek appropriate remedies under the law. 
Thank you for your attention to this urgent matter. I look forward to a swift resolution of this complaint. 

Acc Name : Acc # XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call for my mother on my cell phone from First National. I was asked to pass a message along to her and when asked if they were a debt collection agency, the account representative disclosed to me, a XXXX party, that he was. I work in debt collection for a very reputable company and know that his disclosure of his intent to me was a violation of FDCPA law.
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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: Debt collection

On Thursday XXXX XXXX I received a call from XXXX at XXXX PST. The call was from CBE Group Inc XXXX XXXX XXXX XXXX, IA XXXX. I spoke with a women named XXXX XXXX she let me know that she was a 3rd party contractor for the IRS. She said that they had sent a letter back in XXXX of XXXX ( which I never received ), its now XX/XX/XXXX and the CBE group is calling my phone now with no mail notification, With all the IRS scams in the United States going on I asked XXXX XXXX for CBE Group License number so I could verify the company and also verify that the CBE Group is licensed in the state of California. XXXX XXXX could not provide their business license number to me after being on hold for several minutes, I got transferred to a supervisor XXXX XXXX, I asked XXXX for the CBE group license number after several mins and going back and forth with XXXX she wasnt able to provide a license number. XXXX XXXX, XXXX XXXX and the CBE group are in direct violation of the California Department of Financial Protection & Innovation SB 908, assembly bill 1864, senate bill 908 and the fair credit act by not providing their license number, and I still question if this wasnt a a scam Because I have a official letter from the Department of the Treasury Internal Revenue Service Notice XXXX dated XXXX XXXX, XXXX saying my overpayment was applied to unpaid balance, then it also says on this same form lower down What You need to do you dont need to do anything. CBE group couldnt provide a license number therefore how as the consumer am I to know they are legitimate or not? If your company is licensed it shouldnt be a problem to provide the license number to the consumers when asked
Product: Credit card or prepaid card

Someone tried to open either a XXXX XXXX Credit Card or XXXX XXXX Savings Account under my name and/or SSN on XX/XX/2021. 

Someone tried to open a XXXX Credit Card under my name and/or XXXX on XX/XX/2021. 

Someone tried to open an XXXX XXXX Credit Card under my name and/or XXXX on XX/XX/2021. 

Someone tried to open an account at Pentagon Federal Credit Union under my name and/or XXXX on XX/XX/2021.
Product: Debt collection

The collection agency is attempting to collect a utility bill that was discharged in bankruptcy ( District of  Nevada # XXXX ). I have disputed this numerous times on credit report & the company still reports it as a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX 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
Product: Debt collection

I WAS SENT 2 STATEMENTS FROM THEORIGINAL CREDITOR '' XXXX XXXX RESPONSE '' AN INVOICE ON XX/XX/2018 & XX/XX/2018 PRE-COLLECTION NOTICE. THERE ARE XXXX REFERENCE DATES COLLETORS CAN USE WHEN FILLING OUT THE VALIDATION NOTICE THAT WAS SENT TO ME ON XXXX '' DATE OF SERVICE '' XX/XX/2018 WAS XXXX THE ITEMIZATION TABLE. THEY ARE NOT USING THAT DATE. 
THIS IS A SECOND ISSUE PHOENIX FIN SERV IS REPORTING TO XXXX UNDER THE REPAYMENT " TERMS '' - THE AGREED-UPON AMOUNT OF TIME TO PAY BACK THE MONEY BORROWED. I NEVER AGREED AND I DID NOT BORROW ANY MONEY. IT WAS AN XXXXE DEBT.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan impermissible under any circumstances. Additionally, according to 15 USC 16819 ( B ), consent from the consumer is required before furnishing information on their behalf. To date, I have not granted such authorization to [ XXXX XXXX XXXX ]. 
Your failure to adhere to these regulations not only jeopardizes my financial standing but also undermines the integrity of my consumer report. This letter serves as a formal request to rectify the inaccuracies present in the following listings on my report : SEE ATTATCHED BELOW
Product: Debt collection

This debt collector EXPERIAN engaged in unfair practices of the FDCPA which it prohibits. They furnished all my accounts that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to {$1000.00} dollars per violation and clearly they violated my rights.
Product: Debt collection

I do not even know how I could owe this debt still or how it could still be on my credit report. I have not had any cell service with contract in XXXX  7 years. And I am told this is a cell service debt. Ive asked for information and havent received any. 

XXXX XXXX JEFFERSON CAPITAL SYSTEM XX/XX/year> Re : {$4000.00} Open balance JEFFERSON CAPITAL SYSTEM Original creditor Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. 
What's more. I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT. I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1. An explanation of what this alleged account balance is for. 
2. A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3. Documentation that shows I agreed to pay this debt. 
4. The Agreement that grants you authority to collect on this alleged debt. 
5. A copy of your state license, including license number. 
Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. Otherwise remove from my credit report. 
Sincerely, XXXX XXXX XXXX is listed the debt collector. Jefferson Capital System. I have disputed these in my credit report twice and it hasnt removed them, but also doesnt allow you to write but so many words in the dispute.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Unlicensed Collection Reporting Dear Sir/Madam, I am writing to file a formal complaint against Harvard Collection Services , LLC Acct XXXX XXXXnumber regarding their unauthorized collection activities and inaccurate reporting on my credit report. As per my investigation, Harvard Collection Services , LLC does not possess a valid license to conduct debt collection operations within IL, thus violating federal regulations outlined in 12 CFR 1006.34 ( b ) ( 5 ). 

Despite not having the requisite licensure and bonding to operate as a debt collection agency in IL, Harvard Collection Services , LLC has been reporting debt collection activities related to my account on my credit report. This action not only infringes upon state regulations but also violates my rights under federal law. 

Furthermore, I have not received any formal notices, either via mail or electronically, updating me on this matter. As a consumer, I am entitled to receive proper notification regarding any debt collection activities, as stipulated by the Fair Debt Collection Practices Act ( FDCPA ). 

In light of the aforementioned violations, I am requesting the following actions to be taken : Validation that proper notice was sent to me, as required by law, regarding the collection activities undertaken by Harvard Collection Services , LLC. 
Furnishing of evidence demonstrating that Harvard Collection Services , LLC holds the necessary license and bonding to engage in debt collection activities within IL. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Harvard Collection Services , LLC for their unlawful practices. Additionally, I request that you keep me informed of any developments regarding this complaint. 

Please find enclosed copies of relevant documents supporting my claim for your reference. 

Thank you for your attention to this matter. 

Sincerely, XXXX. XXXX