23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband XXXX XX/XX/XXXX-XX/XX/XXXX with XXXX. He suffered from XXXX since XX/XX/XXXX. In XX/XX/XXXX, he died from XXXX XXXX the day after his XXXX birthday. He participated in VA health care. This was diagnosed by a private doctor, as XXXX with XXXX. We believe from exposure to XXXX XXXX. He died XXXX XXXX, XXXX. Left me a single mom of XXXX children. I have managed to keep our home by refinancing my XXXX mortgage. When he passed he has a home equity line for XXXX from Wells Fargo in his name alone. They cut off my access and told me I was not liable for the loan, however since I signed the Lien I would loose my house if I did n't keep up the payments. So I continued paying auto pay of XXXX a month, they would not discuss the terms just that I had to pay. The payment was approx XXXX. Now I find out 10 years later this was an interest only loan and balloons in XXXX XXXX. Now all of a sudden Wells Fargo is offering to let me assume the loan. If they would have let me do that four years ago I would have streamlined it into my va loan, which I ca n't do because it 's not my debt??????
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$500.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I left for XXXX after sending apartment complex my orders and a few months later the collection popped up on my credit report. It popped up XXXX XXXX, 2024 balance of {$590.00} XXXX XXXX XXXX Only action Ive taken is reporting it to the cfpb.
Product: Debt collection

I had a lease with Ford motor credit.

I paid my lease payments up to date and during Covid I was struggling and contacted them to lower my payments. During this conversation they introduced a voluntary early termination to me. They introduced to me as a way to return the truck and have it clear up my remaining lease balance. 

They did not inform me it would destroy my credit and then they also charged me XXXX after the fact with an apology after I was told the auction would cover the balance since I was current. 

They screwed up big time! Took my truck, auctioned it. And then stuck me with a bill. Destroying my credit, and then sued me. 

Today at the hearing they asked for with the judge they did not show up for it. 

Im so sick of these jokers and XXXX from these people. 

I want this off my credit and an apology I dont owe them a thing. 


Attached I copied one of the interrogatory responses and the copy of the hearing they did not show up for. I took the entire day off of work to be here. 

This is XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a request for the immediate removal of the accounts this XXXX XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$470.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXXXXXX BALANCED {$2200.00} XXXX XXXX XXXXXXXX BALANCED {$3600.00} XXXX XXXX  BALANCED {$9800.00} XXXX XXXX XXXX BALANCED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian : I have contacted the furnisher who placed these inaccurate inquiries on my credit report. I asked them to provide me with proof that I gave them authorization to pull my credit report. As of today, they have not provided with the proof that is required. 
Because of that they had no permissible permission to pull my credit reports. 
After researching on the internet, it states a company needs authorization to pull a consumers credit report. This company did not have that authorization. They have violated the law, and I will hold them accountable. Because of their violations, Im asking your company to follow the law and delete these unauthorized inquiries Here are the inquiries : 1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. Did not consent to unauthorized inquiry. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
30 days should be enough time for you to complete your investigation on this matter. Also, once you have finished your investigation, please supply me with a full credit report and not a partial one. Im tracking all letters sent and received from you. If these inquiries are not deleted, then I press forward with complaints to the Attorney Generals Office and the Consumer Financial Protection Bureau. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX : {$3400.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$49000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00}
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we must remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts have inaccurate reporting, including incorrect amounts and dates.
Product: Payday loan, title loan, or personal loan

My car sales contract is fraudulent
Product: Checking or savings account

I am writing to express my profound dissatisfaction and frustration with the recent closure of my checking account with Chase Bank. The closure was a result of an accidental deposit made by my brother into my account, and the subsequent actions taken by Chase Bank have caused me significant financial and emotional distress. 

On XX/XX/2023, while my brother and I were together at a Chase ATM, he accidentally deposited his paycheck into my checking account, amount is XXXX dollars from his boss. Unfortunately, there was no way to cancel or go back to the previous page during the deposit process. As soon as I realized the mistake, I immediately contacted the customer support hotline to rectify the situation. However, I was informed that it was impossible to cancel the deposited check, and as a consequence, my account was closed due to this error. 

I understand that protocols and procedures exist to ensure the security and integrity of banking transactions. However, I firmly believe that the circumstances surrounding this incident warrant a reconsideration of Chase Bank 's decision. It was an honest mistake made by my brother and me, and we took immediate action to address the situation. The closure of my account has left me without access to essential banking services and has caused undue hardship for both my brother and me. 

In my efforts to resolve this matter, I have contacted the fraud department multiple times. I have been asked to provide my brother 's phone number as a means of verifying his identity. Regrettably, Chase Bank has been unable to verify his phone number, despite the fact that he holds his own Chase account and credit card under the same phone number. This phone number has been actively used for the past XXXX years, including being associated with government benefits, FAFSA, all credit cards, and even during the application process for a Social Security Number. 


I sincerely hope that Chase Bank will reconsider its decision and take immediate action to rectify this matter. I believe in the principles of fairness, accountability, and customer service, and I trust that Chase Bank shares these values. I kindly request a prompt response to this complaint and a thorough review of my case. If necessary, I am willing to provide any additional documentation or information that may assist in resolving this issue. 

Thank you for your attention to this matter. I look forward to a fair and satisfactory resolution.
Product: Vehicle loan or lease

We paid off our auto loan with Wells Fargo in full on XX/XX/2021. Although it took several days, their system has completely removed all online references to the loan, including account number. Still, on XX/XX/2021, their system withdrew a monthly payment for that very same auto loan from our account with another bank, causing major problems with overdrafts and late fees. How is this not larceny? The bank assures us they will refund us the money, but we are still out the fees caused by the illegal transaction.
Product: Credit reporting or other personal consumer reports

[ correction to complaint XXXX ] : Each of the accounts with account/tradelines " XXXX XXXX '' and account numbers beginning XXXX report as a XXXX with a " On record until '' date of XX/XX/XXXX. The courts within my XXXX XXXX XXXX have published a case that demonstrates how alleged XXXX  are established relative the Date of First Delinquency ( see attached ). To determine if an alleged payment history and accompanying charge-off were reporting accurately, the Court subtracted XXXX ( XXXX ) years from the " Estimated month and year this item will be removed '' date. For the Experian credit reports this is the " On record until '' date. The " On record until '' date for the accounts herein is XX/XX/XXXX. Applying the method demonstrated by the Court to the accounts herein, by subtracting XXXX ( XXXX ) years, gives a Date of First Delinquency of XX/XX/XXXX. However, XX/XX/XXXX can not be the correct Date of First Delinquency for these accounts because the accounts are listed " OK '', ie. paid on time, for that month. Therefore, the Date of First Delinquency is false or inaccurate. Thus, the payment history leading to the alleged charge-off is false or inaccurate for these accounts.
Product: Credit card or prepaid card

I bought a {$200.00} face value Blackhawk Master Gift Card on XX/XX/2019. When I used at XXXX on the same day, the card got declined. I found the money was deducted from my card. I contacted Blackhawk regarding that. I followed their instructions to submit a dispute form with the receipt from XXXX. Blackhawk sent me another email on XX/XX/XXXX, and requested me to provide more information but without telling me what information. I called Blackhawk again on XX/XX/XXXX afternoon. The wait time for a representative changed from 4 min to 14 min to 85 min and 64 min but hard to get hold of some representative to help. When a rep finally answered, he just asked me to submit correspondence records with records and other unnecessary stuffs. I provided the receipt and form already. Blackhawk just made the dispute extremely difficult so customers will just give up their own money for peace of mind. 

BH case # XXXX
Product: Payday loan, title loan, or personal loan

we had an agreement that they would remove my late payments
Product: Credit reporting or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation. 


XXXX : Fair Collections and Out, Chapter XXXX bankruptcy XXXX : XXXX XXXX, XXXX XXXX XXXX, Experian : 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 XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My client, XXXX XXXX took a refinanced mortgage from Bank of America in XX/XX/XXXX as part of his loan product ; he was offered an option of " The Bank of America XXXX XXXX Protection Plan '' which was essentially a life and XXXX insurance program offered by the bank for all borrowers. Initially the local bank attempted to pressure him into not purchasing the plan. He purchased it for a ten year term. In XX/XX/XXXX, Bank of America told him that it would be cancelling the his contract. After he vigorously protested, Bank of America reinstated him through XX/XX/XXXX for the full ten year term. XX/XX/XXXX, the Bank indicated that it was discontinuing the program. It stopped accepting payments after XX/XX/XXXX. 
While the contract had language allowing the bank to cancel without reason upon sixty days notice XXXX XXXX relied on the ten year period covered by the term of the insurance. He is now in his XXXX and is unable to purchase XXXX and life insurance at comparable prices ; he specifically entered into the contract to protect his teenage daughter, in the event of his death or XXXX. Based on Bank of America 's past actions of steering him away from the benefit and attempting to cancel it without cause in XX/XX/XXXX, I can draw no other conclusion that Bank of America acted in bad faith. This also appears to be a classic bait and switch tactic, where the bank offers a promotion to sell a product and once the protect is purchased, it withdraws the promotion.
Product: Checking or savings account

On XXXX/XXXX/XXXX I have opened a personal checking account online pursuant to the advertising from santander bank promising {$350.00} bonus after direct deposits totaling {$2000.00} or more post to an eligible account within the first 90 days of account opening. 

On XXXX/XXXX/XXXX I have mailed out a signature card as per terms and conditions of the account. 
Santander claimed they never received the signature card. 

When I went to the branch with my signature card I was told they could n't accept the signature card and that I should remail it. The representative apologized for lost mail and advised that they were swamped up with the mail as they did not expect such response from the advertising. 

I have re-submited account information online and resent the signature card on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX my employer processed direct deposit of {$2000.00} to my checking account. 

I have met all the new account bonus requirements, however Santander did not post the {$350.00} bonus. Various representatives gave different inconsistent reasons each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter in  XXXX  for goodwill adjustment for the following periods :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  this request was denied.   I followed up and sent in a second letter via fax on  XXXX   XXXX ,  XXXX  to request that the delinquent status be removed since due to being granted retroactive forbearance is now being inaccurately reported as being late when. I received a phone call from their  Consumer Advocate center and they stated that they do not have to update what they consider correct information at that time period. Yet Navient refuses to correct and update this information standing behind thei r policies.
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 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 XXXXXXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

- I went to purchase an automobile on XX/XX/2019 - I was then instructed to fill out the Retail Installment Sale Contract, See Exhibit ( A ) and Buyers Order, See Exhibit ( B ). 
- The contract was extended to the consumer, primarily for personal, family, or household purposes as an extension of my consumer credit and is an open-end credit account under 12 CFR 1026.2. 
- I am asserting my rights as the DEBTOR per my contract under 16 C.F.R. 433.2 ( b ). 
Wells Fargo has failed to produce the requested documents or an affidavit means that, without verification and validation of this account under Title 15 U.S.C. 1692 Section 809, that there is no controversy in this matter and Wells Fargo has therefore failed to state a lawful claim in this matter. 
- Wells Fargo has not provided an affidavit with the following proof that would show they are the creditor/real party in interest and that they have truthfully validated and verified this account. 
- Wells Fargo has not provided material evidence of a contractual obligation between me and Wells Fargo. 
- Wells Fargo failure to disclose any material facts is a fraudulent misrepresentation by omission and the Retail Installment Agreement is null and void. 
- Wells Fargo has failed to comply with statutory requirements as set forth in Truth in Lending Act, 15 USC 1601-1667f. See Exhibit F - Wells Fargo has failed to comply with statutory requirements as set forth under 16 C.F.R. 433.2 ( b ) the appropriate required NOTICE was not included on the Retail Installment Contract due to a down payment being required for this contract, this makes the entire contract voidable. See Exhibits A, F - Wells Fargo has failed to comply with statutory requirements as set forth in FDCPA 15 USC 1692-1692 ( p ). See Exhibits D, F - Wells Fargo has failed to comply with statutory requirements as set forth in FCRA 15 USC 1681. See Exhibit D, F - As a result, pursuant 15 U.S.Code 1666 ( a ) ( 2 ) to there is a billing error on the Account and under 15 U.S.Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ). 
- I have reason to believe and do so believe that WELLS FARGO AUTO has used unfair business practices and has knowingly with forethought and malice created a fraudulent debt, defrauding the original creditor that is recipient of said statements See Exhibit ( D ) that led the recipient to believe, through deception, is an invoice that must be paid by the recipient or the automobile would be repossessed, and the principals credit reports would have negative remarks added or other extortionate means as defined under 18 U.S.Code 891 ( 6 ).
Product: Debt collection

The law firm hired by XXXX  has filed a baseless suit against me while denying their client 's responsibility for fraudulent conduct.