23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This seems to be the only way you can respond to a response about an ongoing complaint I have read the response that was supplied to you by Wells Fargo. 

I have a number of issues with their response the first being they are asserting that I agreed to a 15 years mortgage over the phone, yet did you ask them to play this so called recording of my original conversation with them with my agreeing to this? I did and they refused to play it. I feel you should ask them to play it and if they do and they have not doctored it you will hear exactly what I have been saying all along that not only did n't I agree to anything I also asked if I signed the " The Request To Terminate Future Advances '' Sheet that I would not be bound to any mortgage. I was told yes I would not be bound to any program as you will hear on the recording. If they refuse to play it I think that speaks for itself and they should be found guilty of fraud. 

The second issue is I never received the letter dated XX/XX/2016 which supposedly was sent to me. The only letter I received in the mail during that time from Wells Fargo was the form to sign which I was told was to get further information on programs available, the form being " The Request To Terminate Future Services ''. When I asked XXXX XXXX when would I have received that XX/XX/XXXX letter he told me along with " The Request To Terminate Future Services ''. I did not receive that letter because it was never sent and if you look at the bottom of " The Request To Terminate Future Advances '' it says Pg 1 of 1. So if the letter of XX/XX/XXXX was sent with it I would think it would say page 1 of 2, with pg 2 being the letter or viceversa. 

It is common knowledge that Wells Fargo has taken the liberty to scam the public in a variety of ways. What has happened to us there is just no excuse for and it is criminal. To lie and try to manipulate people is wrong and we hope you require them to produce this so called recorded conversation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX  XXXX XX/XX/2022. 
XXXX XXXX XXXX XXXXXX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card or prepaid card

An unauthorized charged was made on my Capital One credit card from XXXX XXXX. When I noticed about 2 days later I contacted the company who told me that I had to cancel and didn't want to return my money back. This service was not used and told them I purchased this service for only 1 year and never authorized them to charge my card on a yearly basis especially when I was never notified. I called the credit card company and filed a complaint about XXXX XXXX illegally charging my account. And I also told them to close my account and issue me a new credit card. They did. They requested information from XXXX XXXX which cleary stated that " customer did not use service but didn't call us to cancel ''. I called them and they keep giving me the run around since last year.. Capital One then told me that I should settle my case myself since I " willingly give my credit card information to them '' that they had the right to change me. I presented them a letter which stated i did not authorize XXXX XXXX to use my credit card. Then Capital One went ahead and replaced the charges on my new credit card and refused to give me my money back. Theh keep referring me back to XXXX XXXX and XXXX XXXX keeps referring me back to Capital One. This is the worse credit card company that prey on law-abiding citizens that has no morals nor ethics.
Product: Credit reporting, credit repair services, or other personal consumer reports

HelloExperian : In regards to the entries contained in the attached dispute document of : I am disputing 100 % of this credit collection entry. This is a continued DEMAND that every one of the entries be removed and blocked asap from my name and personal information on file with the CRA 's in attendance of these entries. With the prior XXXX security breach, and many other identity theft breaches happening across the country, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. No other CRA seems to be the least bit concerned about bad information populating consumers accounts. You aren't as much ... why? 
See the attached document THAT LISTS ALL THE APPROPRIATE ENTRIES CONTAINED IN YOUR SYSTEM WITH REGARDS TO SLANDERING MY GREAT NAME AND PAYMENT HISTORY!
Product: Credit card or prepaid card

On or about XX/XX/2020 a charge went on my AMEX platinum for {$590.00}. Since I did not recognize the charge, I disputed it. Today in the mail I received a letter telling me it is a valid charge and annexing an online receipt. However, I still do not recognize the charge and AMEX continues to fail to do their job properly, including telling me what this charge is for and what was purchased. Therefore, I continue to wish to dispute it and demand they provide complete information, including exactly what was allegedly purchased.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX, XXXX Account Number : XXXX Hello, I am writing to formally request an assignment of contract regarding the debt that was purchased by your company from the original creditor, Account # XXXX. I respectfully ask that you provide me with a copy of the assignment contract, along with any supporting documentation that confirms your ownership and right to collect this debt.

As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am entitled to request and obtain verification of the debt, including any assignment contract that establishes your right to collect the debt in question. If you are unable to provide the requested assignment contract within [ a reasonable period, e.g., 30 days ], I request that you promptly delete any and all references to this account from my credit report with all credit reporting agencies, as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Please send the requested documents to the address mentioned above or via email at XXXX Thank you for your prompt attention to this matter. I look forward to your cooperation and timely response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted Experian numerous times. I now have a Case number : XXXX. 
I call now, and they just hang up. I want them to give me my account back that they probably gave to the hackers. There is no other way my account was hacked. This is going on two full months. It is nearly impossible to talk to any one at Experian, and once you do get through, they don't even try to resolve my issue.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called I.Q Data International to settle a debt because we are trying to move to a new location! The man that answered the phone was immediately monotone which is fine i figured I'd be able to get somewhere by being friendly and getting an agreement made! He immediately told me in his exact words " Well you'd have to pay the XXXX in full for us to pay to delete ' '' I said okay well unfortunately we don't have that amount since we are currently trying to move! The reason we couldn't pay before was due to moving. He then said I had an obligation to pay because I hadn't paid my bills before and I won't be able to move if I gave them the amount now. He said I wouldn't be able to move unless I paid them the amount in full! I said I received a a settlement offer in my email and it was listed on the website when I made an account! He said in a very rude way " Well was there an amount '' I said yes there was and he asked me how much was the offer I told him 50 % he said well I have to approve you for it it says up to which it did not state such a thing because when I log in it says I can make a payment for the 50 % settlement offer. He then says well I have to see if you qualify so I gave him basic info no real numbers and he says he can only offer 30 %. So I say well the website gives me 50 % of right now to pay so I'm confused! I asked why was he being so rude and hostile he then told me I was argumentative, I said all I was trying to do was pay this and you're being rude to me. He then started raising his voice saying well I'm trying to talk and if you want to believe what's on the website then that's up to you but I know what you need to pay he continued yelling but at that point, I tuned him out and hung up! So I went on the website to set up a payment date and it wouldn't work it took a dollar from me 5 times but nothing would go through so I refreshed the page and low and behold he had taken the settlement completely away and all I did was go based off what I was offered! Before this, I did get in contact with the original creditor which is XXXX XXXX XXXX XXXX  and they refuse to take the money and say I have to go through the collection agency now! I've done my research and know for a fact they can take it back and I know collections agencies pay pennies on the dollar and try to push for the most but will take whatever you can provide!
Product: Credit card or prepaid card

I purchased a mattress from  XXXX   XXXX  which was delivered on  XXXX / XXXX /  XXXX  . After taking delivery I noticed that there were stains on the side of the mattress and contacted the company several times by phone. At their request, I emailed them pictures on  two  occasions of the stain. No response was received from  XXXX   XXXX . I disputed the charge with Commenity Bank who I pay to for the mattress. There investigation concluded with  XXXX   XXXX  falsely stating I have never contacted them regarding the stain. All supporting documents are attached and phone records of calls made to the store can be made available as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX  account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX have violated my rights. 

15 U.S.C1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A, section 2 : 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

I am a victim of identity thief, I have previously submitted documentation that these accounts were not mines. The creditors agree and removed them form my credit report. I went to take a look at my score to see that the following account had been added back. I was under the impression that this had be handled and the items would be Blocked and Deleted. I am hoping this is the last time i have to report these items. I have reached out to a attorney to help me with this matter, being that I have provided everything necessary to resolve this matter and they have put these negative account back on my credit report. 


XXXX XXXX {$0.00} UpdatedXX/XX/XXXX  XXXX XXXX XXXX  {$870.00} Updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} Update XX/XX/XXXX XXXX XXXX {$3600.00} Updated XX/XX/XXXX
Product: Mortgage

Bank of America sold my loan to XXXX and never notified us. I found out when I tried to pay my mortgage and now XXXX will not let us make a payment until XXXX XXXX. We need to pay it now because we 're closing on the XXXX of XXXX on another property and all the paperwork is reflective of the payoff amount minus the last payment.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax on more than one occasion to make corrections to several accounts on the consumer report to no avail. I have included the latest communications sent to Equifax as well as the other Credit Reporting Agencies and all concerned Furnishers of data for the consumer report. There is a Bankruptcy that needs to be removed as the data is unverifiable according to XXXX. There are also several accounts that need to be removed from the consumer reports as Opt-Out Notices have been sent to all Credit Reporting Agencies as well as all applicable Furnishers of data for the consumer reports. I have also included the USPS delivery confirmation for all companies. The Mailbox Rule applies.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Round Complaint Regarding Inaccurate Late Payments - Account XXXX  XXXX XXXX Dear CFPB, I am filing this formal complaint against XXXX and TransUnion for failing to correct inaccurate late payment information reported on my credit report for the account with XXXX  XXXX, account number XXXX. Despite submitting two prior disputes on XX/XX/XXXX, and XX/XX/XXXX, the inaccurate reporting remains unresolved. It is important to note that XXXX has already corrected this error and updated my report to reflect a positive status. We are now awaiting similar action from XXXX and TransUnion. 
Violation of Consumer Protection Laws This situation constitutes multiple violations of federal consumer protection laws, as outlined below : Fair Credit Reporting Act ( FCRA ) : 1

5 U.S.C. 1681i : Credit reporting agencies are mandated to ensure the accuracy of consumer file information and conduct reasonable investigations upon receiving a dispute. In this case, your failure to address my concerns effectively violates this provision. 15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to maintain maximum possible accuracy in credit reports. The continued presence of this error contravenes this obligation.

Truth in Lending Act ( TILA ) : 15 U.S.C. 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The reported late payments suggest a failure by the creditor to comply with this statutory requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely statements and prevent unfair penalties to consumers. The reporting error unfairly impacts my creditworthiness. 
Details of the Inaccurate Reporting Creditor : XXXX  XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX and XX/XX/XXXX Status on XXXX XXXX Corrected to reflect positive status. 
Status on XXXX and TransUnion : Still inaccurately reported as 30 days late. 
Evidence Supporting the Inaccuracy Credit reports from all three bureaus ( XXXX, XXXX, and TransUnion ), showing discrepancies. 
Copies of my previous dispute letters dated XX/XX/XXXX, and XX/XX/XXXX. 
Personal identification documents to verify my identity. 
Desired Resolution I formally request the following : Immediate removal of the inaccurate late payment notations from my credit reports with XXXX and TransUnion. 
Written confirmation of the corrections made. 
Assurance that my credit file will be monitored for ongoing accuracy. 
If this issue is not resolved promptly, I will escalate my complaint further by filing additional grievances with the Consumer Financial Protection Bureau ( CFPB ) and pursuing potential legal remedies. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX, XXXX, and XXXX  against Pro Collect. My dispute is that a collections account is still reporting on my credit and it is past the statue of limitation for Texas. 

XXXX- Didn't even reinvestigate the dates XXXX- Didn't even reinvestigate the dates. 
XXXX  - Pro Collect submitted a copy of the original contract but didn't remove it from my credit file. 

All three companies are only investigating the account ownership. I am not disputing ownership. I am disputing the fact that its an old collections account and past the statute of limitation. The original date of first delinquency is XXXX. The statue of limitation would of expired XX/XX/2023.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports : XXXX  - {$700.00}, {$500.00} XXXX XXXX XXXX {$260.00}, {$6700.00} XXXX - {$150.00} XXXX - {$0.00} XXXX XXXX - {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

So for the past 8 months I have been trying to get a charge off removed from my Equifax credit report. This charge off isnt mine, but Equifax has it as my old XXXX XXXX account. When I did further research I found that this account was clearly paid in full and then later closed the account. I've given Equifax the letter from XXXX XXXX XXXX showing account paid in full but they still refuse to remove it. I do have an attorney involved and will pursue a lawsuit if this matter isn't resolved. I want this charge off removed immediately. It has hindered me in attempts to get a business loan.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I get at four calls a day from them. Last week I got a call one minute before they closed with a recorded message for me to call. When I did, they were closed. They call on the weekends, but are only open during the week, so I can not return their call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX ( XXXX ) XXXX XX/XX/year> Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Subject : Data Breach and Erroneous XXXX  Reporting on Credit Report Dear XXXX XXXX XXXX am writing to express my concern regarding a significant data breach that reportedly compromised the personal information of nearly XXXX XXXX individuals, including mine. According to recent reports, the stolen data includes sensitive information such as Social Security numbers, phone numbers, email addresses, and mailing addresses. Given the scale and severity of this breach, it is crucial to address the impact on individuals affected by this incident. 

In addition to the breach, I have discovered an erroneous XXXX  entry on my credit report. This entry is not only inaccurate but is causing undue harm to my creditworthiness and financial stability. As a direct result of the breach, I am concerned that my personal information XXXX have been used maliciously, leading to this erroneous reporting. 

Please find below the details of my situation : Description of the Issue : Nature of the Data Breach : My personal information, including Social Security number, email address, and other sensitive data, was compromised in a recent cyberattack. 
Erroneous XXXX  XXXX : An incorrect XXXX  entry has been reported on my credit report. This entry does not reflect any financial activity or XXXX  on my part. 
Actions Taken : I have contacted the credit reporting agencies to dispute the erroneous XXXX  entry and requested a fraud alert be placed on my credit file. 
I have also monitored my financial statements for any signs of identity theft or fraudulent activity. 
Requested Action : I kindly request the FTCs assistance in investigating the potential misuse of my personal information resulting from the breach. 
I also seek guidance on additional steps I should take to rectify the erroneous XXXX  reporting on my credit report. 
I appreciate your prompt attention to this matter and any assistance you can provide in resolving these issues. Please feel free to contact me if you require further information or documentation to support my case. 

Thank you for your time and assistance. 

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

Square Recovery contacted me, by letter dated XX/XX/2019, about an unpaid balance on an account. The letter states that there is a negative balance of {$17.00} on the Square account ; and that I agreed to a digital invoice plan but they have not received my payment. Further, the letter stated that the account could be sent to a third-party collector.

I contacted Square after receiving the letter, and told them that I do not have a Square account ; and that I don't have a digital payment plan with them. They stated that I needed to file a police report and contact the FTC.

I did file a police complaint to indicate the fraud ; however, my complaint is against Square for creating a fraudulent account for someone else ; sending past due invoices to my home address ; and stating that they are going to involve a third-party collector for a fraudulent account. I asked them to resolve the balance by closing the account because it does not belong to me or my home address, but they would not.