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

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 


Heres the list of the questionable items : XXXX XXXX XXXX XXXX - Account XXXX Please remove it from my public record XXXX XXXX XXXX Account XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment.
Product: Mortgage

Re : Complaint # XXXX, XXXX and XXXX. Wells Fargo Mortgage continues to stonewall both CFPB and me hoping I will give up on both of you. I refuse to capitulate despite the enormous hours spent bringing this issue to resolution. WFM is now one week late in providing it 's response to my disputed reply to their last " explanantion. '' They charged me an undisclosed, non-itemized charge on my mortgage refinance despite State law requiring details on any bank charges in a closing statement. A so-called " delinquent escrow '' charge they have now disclosed was impossible since I did not have an escrow account prior to the refinancing and have canceled checks showing that all insurance and property taxes were paid and current at the time of the refinance XX/XX/2014. This behavior continues and the headlines this week confirm a culture of deception and delay by Wells Fargo. Further, the ASC representative in a recorded conversation actually asked me why I did n't inquire at the closing about the charge for an " unpaid principal balance '' which now they detail as a " delinquent escrow '' account charge. It 's time, again, for CFPB to support this effort and require Wells Fargo to remove the charge from my statement and clear any implication that this consumer ever had any delinquency with them.
Product: Mortgage

On the morning of Tuesday, XXXX XXXX, I received a call from my homeowners insurance company letting me know my annual payment was overdue. This payment should have come from Umpqua Mortgage and was due XXXX XXXX. 

I called Umpqua to find out what had happened. I waited on hold for a long time, than eventually opted for the " get called back without losing your place in the queue '' approach. I finally received the call back at XXXX. The rep I spoke to made no attempt to investigate or solve the problem, merely telling me that she 'd pass my information along. 

On XXXX XXXX, I received a notice of cancellation from my insurance company. I checked on their website to verify that the insurance remained unpaid. It was, so I sent an email to Umpqua via their website. On XXXX XXXX I heard back from XXXX XXXX. Her email stated, in part : " I have taken care of the insurance issue. '' I asked to know what had happened and she said she would send the information in the mail. The premium remained unpaid, however, until I finally paid it myself late in the day on XXXX XXXX. Or maybe I should say I " re-paid '' it, since I had already paid the money to Umpqua as part of my escrow. 

Today, XXXX XXXX, I received a letter from Umpqua stating that they mailed the check on XXXX XXXX. There was no information concerning why they failed to pay prior to XXXX XXXX, why it took two hours to connect to a customer service rep on XXXX XXXX, why my phone call on XXXX XXXX resulted in no action, or how they intend to regain my confidence. As I write this I 'm out the {$640.00} insurance premium twice. I expect to eventually receive a refund of my payment from the insurance company, but in the meantime this has cost me money, time and aggravation. And now I feel like I ca n't trust Umpqua to do their job.
Product: Debt collection

I started receiving collection notices for an accident with usaa on a car that I have never owned or driven. I filed a complaint with the state insurance commissioner and they got the insurance company to cease collection efforts. then the collection agency started calling again. I have proven to the insurance commissioner that i was not the driver in the accident. what else can be done complaint number and response from dept XXXX Posted By : State Posted On : XXXX XXXX, The company responded that they were ceasing recovery efforts from you. Can you please upload a copy of the latest documents. I will forward this to the company in a follow up inquiry letter. Thank you.- XXXX XXXX XXXX XXXX XXXX XXXX. 

Policy Insurance Card ID Number UNKNOWN Type of Policy Unknown Employer or Plan Sponsor Policy Number In what state was this policy purchased? 
Type of Insurance Automobile Specify if Other Claim Claim Number Date of Loss XXXX Other Party Other party 's name XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA Other party 's policy or claim number XXXX Complaint Details Detail of Complaint I RECEIVED AS NOTICE THAT USAA IS MAKING A CLAIM ON MY MOTORCYCLE INSURANCE THROUGH XXXX. THEY DECLINED COVERAGE AS THIS IS A MOTORCYCLE POLICY AND EVIDENTLY A CAR WAS BEING DRIVEN. I HAVE NOT BEEN IN ANY ACCIDENTS DONT EVEN KNOW WHAT THE DETAILS OF THIS EVENT ARE. XXXX SAID OUR VEHICLE WAS A XXXX XXXX OR SOMETHING. I DONT OWN A CAR LIKE THIS. tHEY ARE NOW SENDING ME TO COLLECTIONS AND I WILL INCLUDE THE REQUEST FOR PAYMENT IF THERE IS A PLACE ON THIS SITE TO UPLOAD Describe what you would consider to be a fair resolution to your complaint THEY NEED TO FIND WHO WAS ACTUALLY INVOLVED IN THIS ACCIDENT OR OWNES THE VEHICLE INVOLED
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote to All 3 credit reporting agencies, nice letters that convey the lack of movement ( stagnation ) FICO score for over 20 years! XXXX is the worse by far. Their score was XXXX as of XX/XX/2022. A young man i know crashed his car With no insurance and his is XXXX in just a year, i have tried EVERYTHING, my payments are exceptional, a debt of {$2900.00}. Good Pension, XXXX income and i live rent free in the XXXX XXXX XXXX no bankruptcies ... All this is telling me is the industry itself is not doing their due diligence in following up on anything. They even stated my letter was illegible even though i printed it. XXXX  by the way is at XXXX ( checked yesterday ) so while I did argue with the customer service rep. today, XXXX wanted my birth certificate and other info. As a business the requests that when a SS number suffices on the internet, Why on Earth do you need a Birth Certificate to prove Who i am ... makes no sense. The Credit industry needs to be totally revamped as they caused me to Not getting a XXXX nor a Heloc loan just stupid XXXX.
Product: Mortgage

Wells Fargo is my mortgage company for my home. I have been a loyal customer for years and have never been late, until recently. I got 2 payments behind and they refused to take my payment to become current and immediately started the foreclosure procedure. I applied for a modification ( where the back payments would just go onto the balance and I could resume payments ) but they refused that too. My home is under water and is not worth the balance. Wells Fargo will not make any profit by making me homeless. I need help. I wish to stay in my home and resume payments. 

Thank you.
Product: Credit reporting or other personal consumer reports

I sent a communication to XXXX XXXX, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including Experian, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( XXXX XXXX AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ). 


*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent. 
NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. 

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

I am demanding that this information that I choose to no longer have shared with the bureaus, be removed from all of my credit reports immediately. In addition, compensation for their violations of the law and making my life difficult.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted all credit reporting agencies and disputed each, none are willing to help, and stated I must contact each company. All companies stating nothing they can do about it, I have contact police department but was notified there is nothing they can do without a suspect name.
Product: Debt collection

My name is XXXX XXXX. I received a phone call this evening at XXXX from what showed up on the callerID as " XXXX , PA ( XXXX ) XXXX. '' This came up as XXXX XXXX ( e.g. XXXX or XXXX XXXX ) type. The person on the other end, when asked, stated that her name is XXXX****. Due to a persistent hearing issue I have, I could not clearly catch her name, even after asking twice for it. I then was told that the company calling me is Valentine Kebartas Inc., located at XXXX XXXX XXXX, XXXX . XXXX, XXXX, MA XXXX, and that the phone number of the company is ( XXXX ) XXXX ( ext. XXXX??? ) and this was in an attempt to collect a debt. Because I had never heard of the company and that the call came from a type associated with most scams, I stated that I would not confirm my name unless I knew the name of the client attempting to collect such a debt. The woman claimed that the company have several clients and would not provide any further information for said debt. After I stated that without the name of client, I have nothing to confirm, she then stated that the company will continue to call me nonstop.
Product: Debt collection

While attempting to collect a debt, Netcredit called me every day violating my rights with harassing phone calls, until I was forced to implement a cease and desist. At the moment, a court case of XXXX XXXX  Netcredit is in the Floirida court system as XXXX is pursuing NetCredit for XXXX  in the state of Florida.
Product: Credit card or prepaid card

I opened a home depot credit card account when they sent me an offer for 1 year free from interest but I never received a year without interest. They began charging fees and fees. I closed the paid the balance and closed the account and they still charged me fees. Even today they send me bills which I refuse to pay. Sincerely, XXXX XXXX
Product: Debt collection

This account was opened by my ex husband under my name during our divorce. And refuses to pay for it.
Product: Consumer Loan

Subject : Request for assistance During the XX/XX/XXXX XX/XX/XXXX time frame of 2008, I purchased a new Mazda CX-9. I financed it with Chase Auto. Thus far, I have paid Chase Auto more than {$27000.00} in interest on the loan. The Chase Auto loan was suppose to be for five years ( 60 ) months. Albeit, Chase Auto changed the loan to seventy two months and has now has now informed me that the loan which Chase Auto extended to me that was used to finance my vehicle is now paid in full. Albeit, I still owe Chase Auto more than {$4300.00} in late payment fees. Chase Auto is now charging me an additional financial fee of {$1.00} each day to finance the {$4300.00} that Chase has added as additional late fees. Is this legal? Please help. For your convenience, I have listed my contact data below. 
Email : XXXXXXXXXXXX Residence : ( XXXX ) XXXX Cell : ( XXXX Thanks and out here XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries : 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 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  breach XXXX have got into the hands of the wrong person XXXX XXXX Code XXXX XXXX Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The XXXX makes the XXXX findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX 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: Mortgage

Since my mortgage was transferred to PennyMac in XXXX of XXXX, my payments have steadily increased, despite a reduction in my Property taxes. Before my mortgage was transferred to PennyMac, my payments were XXXX, my payments have increased every year since XXXX, with the current payment being XXXX. 
I was told that my monthly payment increase is to offset a shortage in my escrow, however my property taxes and homeowners insurance is current, and although my homeowners insurance has increase, recently my property tax was reduced, my escrow should be XXXX. XXXX, however PennyMac, is currently charging me XXXX. 
My payment should be as follows : Mortgage : {$450.00} plus escrow ( {$230.00} ) = $ XXXX County Tax : {$670.00} City Tax : {$170.00} Hazard Ins : {$1900.00} Total Payments from Escrow : {$2800.00} XXXX = {$230.00} However, PennyMac monthly statement reflects XXXX. 
My property tax was reduced effective XX/XX/XXXX, however PennyMac, never applied the refund to the balance of the loan and or refunded the amount to my bank account.
Product: Credit card

My payment on the capital one credit card was made on XX/XX/XXXX. On XX/XX/XXXX the money left my checking account. On XX/XX/XXXX the payment was still not posted although they indicated my balance on my account had been reduced and they confirmed they had received the funds. I was told that Capital One " holds funds '' and my credit would not be back to the full amount until XX/XX/XXXX. That is improper use of my funds, results in credit fraud by Capital One and hurts the merchants who have promoted the cards ( in this case Wal Mart ). This is an unfair practice and is really a way for Capital one to use my funds for their gain, while advertising they are a credit entity.
Product: Credit card or prepaid card

Im disputing my new account balance of {$930.00} with XXXX XXXX. Per the original purchase agreement our balance was {$1500.00} as of XX/XX/XXXX and weve paid a total of {$1500.00} as of XX/XX/XXXX. Weve consistently paid almost 4 times the minimum monthly payment of $ XXXX- {$27.00} since the original purchase, so our account should have been considered as paid ahead and NEVER past due. To date it appears weve overpaid the original balance by {$150.00}! The payment we just sent on XX/XX/XXXX of {$140.00} was an OVERPAYMENT, as the account should have already been paid off with our XX/XX/XXXX payment. 

My husband XXXX XXXX has contacted your Customer Service, department 3 days in a row ( XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) to dispute our balance and each time your representatives have advised that our balance would be paid off if we pay the minimum amount due of {$27.00} by XX/XX/XXXX. Theyve advised they dont see our new balance of {$930.00}, when this balance is clearly showing in your system! Also, my husband has advised of our most recent payment on XX/XX/XXXX of {$140.00} and each time theyve advised they see no record of our payment, which shows as received on your own website on XX/XX/XXXX! What is the point of having Customer Service representatives if they cant so much as confirm our balance and payment history?
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have been the victim of identity theft and had multiple accounts opened under my name without my consent including R.S Clark and Associates. I have previously provided FTC report documenting the fraudulent activities due to my identity theft and this company has failed to comply with FCRA reporting guidelines for Fraud/ID Theft.