23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a XXXX XXXX XXXX in XXXX for 30 years. I am a XXXX XXXX XXXX, so I don't need to pay overhead for materials, etc. I am purchasing a home in which to eventually retire, and began the application process with US Bank on XX/XX/2020. As of XX/XX/XXXX, I am now nearing the end of my 60-day purchase contract window. However, US Bank is still saying it can't close because I can't produce a CPA " comfort letter '' stating that it will not be detrimental to my business to purchase this house. My CPA, a very well-respected professional, produced policy statements from the XXXX XXXX XXXX XXXX ( XXXX ) and other professional organizations of CPAs clearly stating that accountants should not provide these letters and that it places them at potential legal liability. It is his unwavering decision to follow this guidance. However, US Bank 's response is, " The bank has a whole drawer full of these letters because a lot of accountants are willing to write them anyway. '' This pits me, the consumer, in between two organizations : the mortgage lending industry and the accounting industry. Both have distinctly opposing policies. This seems unproductive, unfair, and possibly even unlawful. The bank has my profit/loss statements, my tax returns, bank account statements going back many months, and every other document they have asked me to produce. I have demonstrated evidence of more than enough funds to complete the closing. On Friday XX/XX/XXXX the loan officer finally told me that an exception was made ( about requiring the letter ) and said I was clear to close. However, on Wednesday XX/XX/XXXX, I am now told the exception is still pending because the bank is still deciding. My accountant 's advice is, " find a less-upstanding accountant ( his word a bit stronger ) to write you a letter. '' The bank says, no, it has to be the accountant who has handled my tax returns and finances. When I entered into this process I had no idea this was an issue, but it seems wholly unfair. It is too late for me to re-start the process with another lender. One of these industries should establish a policy that is not oppositional, instead of requiring consumers to be penalized by an arbitrary and contentious issue between two behemoths.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 

XXXX  XXXX XXXX XXXX XXXX
Product: Mortgage

I am being harassed by Carrington loss department about the check for my repairs. The bankruptcy has even verified that they are supposed to sign the check and mail it back to me to sign and cash. But I am being harassed by this XXXX and she disconnects the call during business hours and refuses to speak with me. I am being harassed and abused by them for no reason. Because I am a single female who is XXXX XXXX XXXX. This one employee has even listened to the phone call I made on XX/XX/2021. When the woman I spoke to telling me to overnight it for them to sign the check and mail it back to me. I will not sign it for them to do whatever they want to with the money. I have been duped before. This is another form of harassment and XXXX  I am facing from Carrington. This male XXXX called me telling me the same thing more of the same thing because this XXXX who mailed the check back is being unprofessional refusing to talk to me. I have been done this way many times before. This will cost them more than just {$13000.00} they refuse to let me have it will be in the millions where I read online about other people in similar situations. 

XXXX isn't going to XXXX  no male to jump on me either. or sick some male on me to abuse me. XXXX is not ordering me around telling me what to do.
Product: Mortgage

My mortgage services are provided by XXXX XXXX XXXX XXXX XXXX XXXX When I went online today XX/XX/year> to pay my mortgage via the online portal on submitting the payment I viewed the confirmation pop up which stated that my payment was a scheduled for XX/XX/XXXX. I did not select this date. I canceled the schedule payment, thinking that I had made an error and went back into the portal to correct the date. The portal would not allow me to select today 's date, XX/XX/XXXX, the XXXX or the XXXX. The closest date that I could select to process my payment was the XXXX of XXXX. A full 3 days from the date I was trying to pay. For context it should be noted that any payment made after the XXXX of the month incurs a late fee. I called the customer service phone number listed on my mortgage statement and I was able to pay my mortgage immediately over the phone using the automated system without incurring the late fee that I would have received had I not realized that XXXX had scheduled my payment for the XXXX. I would like to place a complaint against XXXX due to this fraudulent practice within their online system.
Product: Credit reporting or other personal consumer reports

Notice to agent is a notice to principal, and notice to principal is a notice to agent. 

Dear Scratch, I received your response to my dispute, and I am compelled to address the misconceptions and violations of the Fair Credit Reporting Act ( FCRA ) contained therein. 

Firstly, 15 U.S.C. 1681s-2 holds all furnishers of information, including loan servicers like Scratch, accountable for complying with the FCRA. This section imposes a duty on furnishers to ensure the accuracy and completeness of information reported to consumer reporting agencies. However, only creditors have the authority to furnish information, as stated in 15 U.S.C. 1681a ( f ), which defines a creditor as " a person who regularly extends, or other than as a creditor, regularly arranges for the extension of, credit. '' By furnishing information related to my student loan, Scratch has violated the FCRA in several ways : - Reporting inaccurate information ( 15 U.S.C. 1681e ) - Failing to obtain my permissible purpose ( 15 U.S.C. 1681b ) - Failing to provide clear and conspicuous disclosures ( 15 U.S.C. 1666b ) These violations have caused me significant harm, including : - Lost time and effort in disputing the inaccuracies - Denial of credit opportunities - Damage to my reputation and credit score Pursuant to 15 U.S.C. 1681n and 1681o, I will hold Scratch liable for these violations, including : - Statutory damages of {$1000.00} per violation ( 15 U.S.C. 1681n ) - Actual damages for harm caused by the violations - Punitive damages for Scratch 's willful noncompliance - Legal fees and costs associated with arbitration Furthermore, I enforce my rights to OPT-OUT pursuant to 15 U.S.C. 6801 and 6802, which supersedes any agreement between me and Scratch. The FCRA precedes any contractual obligations. 15 U.S.C. 6802 ( a ) states : " A consumer may elect to have a financial institution not disclose nonpublic personal information about the consumer to a nonaffiliated third party. '' This means I have the right to opt out of having my information shared with third parties, including Scratch. This opt-out right is a statutory right granted by the FCRA, which takes precedence over any contractual agreement between me and Scratch. 
I request that Scratch takes immediate action to correct the inaccuracies and provides evidence of compliance with the FCRA. You can either update the account to, " Paid as Agreed '' or delete the account from my consumer report as I OPTED OUT ( Pursuant to 15 U.S.C 6802 ) Failure to do so will result in arbitration, and I will seek all available remedies. 

Sincerely
Product: Money transfer, virtual currency, or money service

All money that was reported to be refunded and my account to be reopened closed with no notice
Product: Payday loan

The lender keeps calling me at work-Has now put my job in jeopardy- Has sent them 3 letters asking them to Stop calling me at work. I have contacted a lawyer also at this time. They called again twice today XXXX/XXXX/16. They have my personal phone number if they need to reach me
Product: Debt collection

I was contacted by Wakefield Associates debt agency concerning a dental bill I owed. I was never told that the claim got denied. I contacted the insurance company and also files a appeal and still get the run around getting it resolved. XXXX XXXX is the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to open a new cell phone plan and they advised me my social security number had been compromised and they cant verify it with my correct information so they couldnt help me. When I pulled my credit report, there were about 20 inquiries that were not me, there we charges, taken out of my account, that I did not do - they applied for a car loan and an installment loan impacting my credit - and everything I try to apply for or verify my identity is says my identity can not be verified
Product: Credit reporting or other personal consumer reports

My information may have been impacted by the XXXX, TransUnion and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices XX/XX/XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XX/XX/XXXX Inquiry : XXXX XXXX, XXXX PRESTIGE FIN Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX IN Inquiry : XXXX XXXX, XXXX XXXXXX/XX/XXXXInquiry : XXXX XXXX, XXXX XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 
If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Respectfully XXXX XXXX UCC-1-308 without prejudice
Product: Credit reporting or other personal consumer reports

This complaints represents about incorrect information being reported on my credit report in Experian and XXXX. Under the law, a credit reporting agency must take action to check information submitted as erroneous. 

XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$7300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  account listed on my Equifax credit report with  XXXX   XXXX   XXXX , that shows in the comments field of the account " Consumer disputes this item '' There is no dispute on the account and I have electronically requested Equifax to remove the comm ent 3-4 times repeatedly stating " there is no dispute on this account, please remove the comment, I agree with the status of this account, please remove the comment '' Wording it 3-4 different ways to make it clear there does n't need to be a " dispute '' flag on the account beca use there is n't anything wrong with it and I do not disagree with its current or past appearance/status.
Product: Student loan

The information that is being reported on my student loan is accurate and I am not able to make payments or set up payment arrangement because my birthday is listed wrong. I have been denied a mortgage loan because of this delinquent showing. I have faxed and scanned copies of my social security card and drivers license because they said that was the only way to change it, but no change has taken place. I can not even set up an online account to make payments because it gets kicked back every time I get to the personal information part to enter my birthdate.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Card company closed my account due to an error on their end. I did not close the account and i do not want to close the account. I have a current complaint issued with them on this matter. They are now reporting on my credit report that the account is closed and that the customer closed the account ..... Which is false. I did not close the account.
Product: Credit reporting or other personal consumer reports

Wells Fargo continues to lie and pull deceptive scams. Now according to them Im no longer in Foreclosure. However as you can see in the attachments my residence is still up for Sheriffs Sale. And despite repeated requests their evil and vindictive behaviors. They keeps putting my late mothers name on their documents. Already after stating that they were going to cease with these harassing activities. Also make note that XXXX XXXX the supposedly individual from the XXXX XXXX. Is nothing but a customer service representative to whom works on in a small cubicle with absolutely no authority at all. And her contact number @ XXXX XXXX XXXX is obviously the wrong number because she never answers the phone and the other day the number was disconnected. Then the Preservation XXXX XXXX XXXX hasnt returned any of my calls. And I keeps getting some unprofessional liars to whom are acting on her behalf but is only playing games despite me sending then the required documentations
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXXXXXX XXXX XXXXXXXX Was removed from XXXX of the major credit bureaus therefore this account should be removed from the XXXX others clear indication that there are in accuracies being publish on my consumer report. 

Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality
Product: Debt collection

I switched phone companies XX/XX/XXXX so I was no longer able to access my XXXX XXXX Account, I went to a store to pay off my final XXXX  balance on XX/XX/XXXX of {$200.00} I was assured twice that i would no longer have a XX/XX/XXXX bill so I asked for a paper stating I no longer had any future bills and the employee said he was unable to open my account since it was closed and paid but he was able to print the XXXX receipt so I received that. I later received an email saying on XX/XX/XXXX stating i had a past due balance of {$180.00} so I called XXXX on XX/XX/XXXX since I couldnt log into my account to see the charges and I let them know I recording for my own assurance so i have i conversation where they stated my balance was {$0.00} they apologized and said it must be a mistake. The next month I received another email on stating i had a past due balance of {$180.00} so i called XX/XX/XXXX and again let them know i was recording the conversation since i didnt want any future problems and again i was assured i had a balance of {$0.00}. I later would receive texts of a screenshot stating it was a debt collector for XXXX which i found odd so ignored it since it looked like a scam. On XX/XX/XXXX i checked my XXXX score and it showed I had a balance on my XXXX account so it was negatively impacting my XXXX score so i chatted with a XXXX employees on their chat so id have physical proof and they once again assured me i had a {$0.00} balance and that they would contact the credit bureaus so i could rest assured it would be taken care of. On XX/XX/XXXX i found out a few days after that conversation the account was in collections since i received a letter regarding the debt i called the collections agency on XX/XX/XXXX telling them i was recording for my records and i explained the situation and that XXXX said it was taken care of which they responded to by saying they were unaware of that. I told them id call XXXX to again try to fix it so i called XXXX after hanging up i got transferred multiple times until i was then transferred to the collections agency which when i gave them my account number to they couldnt find the account. I found that odd and they asked for my social which i didnt feel comfortable giving so they transferred me once more to the same agency just else where and they found the account and I basically said i was trying to speak to XXXX about my account and ended up back on the phone with the collections agency and i told them i want to dispute the debt. They said okay and then i never heard back from them. Today is XX/XX/XXXX and I saw it is still coming up on my credit. At the time I was unaware of being able to ask for proof of debit so i disputed directly with XXXX today XX/XX/XXXX and under the debt with XXXX it says I was able to report it here so here I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a goodwill letter and an extra car payment to XXXX XXXX for my car loan. 9 months prior to the letter and the extra payment I had fell behind, due to a serious medical condition. In which I had made XXXX XXXX aware of it immediately, so there would be no issues and to no avail my situation fell on deaf ears. 

The good will gesture outlined asking for them to take all of the old late payments and bad remarks off of my account and add PAANL, which is Paid As Agreed and Never Late with all three credit bureaus, Experian,  XXXX and XXXX. 

The letter also stated by cashing personal check number XXXX dated XX/XX/XXXX XXXX XXXX would comply with the letter it is entirety, again with removing the late payments remarks and the fact of me sending an additional payment or to return the uncashed check to me. I submitted documentation to all 3 credit bureaus, and still there was nothing done. As of now it has been 11 months and still XXXX XXXX and the Credit Bureaus have not removed said late payments or remarks but did cash my check.