23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

In XX/XX/XXXXand XX/XX/XXXX Lowe's/Synchrony did not post payments to my Lowe 's account in a timely manner. I have repeatedly provided documents from XXXX XXXX to prove those payments were made, in full and on time. Synchrony charged late fees for bills paid in full and on time. Then they repeatedly charged additional late fees for the unpaid late fees until they got to {$290.00}. They stopped charging the late fees when they " ACKNOWLEDGED '' that they had in fact received both payments on time and in full : XX/XX/XXXX paid in full {$370.00} XX/XX/XXXX paid in full {$170.00} In spite of the fact that XXXX provided the documentation proof, Synchrony did not remove the charge for late fees of {$290.00}. Several collection agencies call and harass me and my family trying to get ILLEGAL FRAUDULENT late fees paid. They continual add these late fees to my credit reports as NEW items hoping that I will just pay them anyway
Product: Mortgage

I have a complaint against an FHA approved lender related to the origination of an FHA insured mortgage, Property AddressXXXX XXXX XXXX XXXX Fl, XXXX Your name and contact informationXXXX XXXX, contact via email or ( XXXX ) XXXX XXXX Lender InformationXXXX XXXX - Home Mortgage ConsultantWells Fargo Home MortgageXXXX XXXX XXXX. 
XXXX. XXXX, FL XXXX ID XXXX The FHA Case NumberDo not currently have, but should be on record. 
Documents relevant to the complaintAs needed ... 

This is a few years old, and I do wish to file a complaint. I was thoroughly disgusted with how I was treated by Wells Fargo in the purchase of this home. 

Started with Wells Fargo mid XXXX 2011. Initial visit stated I would be approved for an amount to cover the house. I filled out all the paper work and jumped through all the hoops ( paying off credit cards ) as asked by them. 

Wells Fargo DRAGGED out this home purchase, what do they care? But to buy a HUD home, you have 45 days. Then every 15 day extension was about {$370.00} ( plus overnight shipping $ XXXX ) ... By the end of XXXX I 'm getting ready to send in for the XXXX and final 15 day extension ( almost {$1000.00} I had to pay ) and Wells Fargo comes back with, " you are approved for the purchase price, but we will not finance this house due to things we found in the inspections ( bank and mine ) ''. 

I found another mortgage company and asked if they could get this done as soon as possible, being my XXXX 15 day extension was ending soon. 

The XXXX mortgage company, XXXX XXXX Mortgage, which I approached in early XXXX 2011, was able to close in a few weeks time on XXXX XXXX, 2011. 

I have been living in the home since. 

A few months after the closing, the mortgage was sold. Guess who bought it? 
Wells Fargo. 

So they were able to run me through XXXX HUD / FHA extensions totaling around {$1000.00} out of my pocket, at one point the Wells Fargo Realtor yelled at me on the phone, then THEY DENIED me buying this particular home and after another company did the mortgage closing, they bought it, on the same exact house they would not sell to me. 

Is there anyway I can get any of my XXXX, 15 day extended closing costs back ( almost {$1000.00} ) due to their incompetence in running me through all XXXX extensions, denying me to finance the house through them, then buying the financed house mortgage from another company?
Product: Credit card

On XX/XX/year> I noticed a charge on my ( relatively new ) Robinhood credit card app for a purchase I did not make. The charge was labeled " XXXX XXXX XXXX '' and the amount was for {$1000.00}. 

I immediately reported the transaction as fraud and Robinhood followed up shortly after with instructions about a changed card number, and a temporary credit was issued. 

Days later, I received a parcel at my doorstep matching the fraudulent order. It was a package containing two expensive large switchblades. Strangely, the package was addressed to me using my contact information, making this appear like a legitimate online purchase - the only clue that this was not on my behalf was on the printed invoice in the box : a XXXX email address was given, not my actual email address. 

I suspect the following happened : 1. ) A criminal enterprise or individual got a hold of my card information somehow. I am unsure how this could have happened, as I only had the card for about a month at this point. 
2. ) The purchase of these weapons was made with my name and address, with the fraudster planning on stealing the package from my XXXX address ( hopefully ) before I brought it inside and noticed it. I assume that, even if the fraud had minimal odds of success, the scammer would have had information from perhaps dozens of cardholders in my city and was playing a " numbers game ''. 

On XX/XX/year>, I received an email from the Robinhood fraud department saying that my fraud claim was denied. Presumably this was due to the fact that the sale was made to my real address listed on the account. 

However, the facts are simple. I did not order two expensive switchblades, I do not know who did, but I had no contact with the store that sold and shipped these to me, and I know this was fraud. I live alone : there is nobody who had access to my household, my computers, or any other means by which my credit card 's unique online-only ( non-physical ) card number could have been stolen by a person known to me.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an ongoing issue with a medical debt that has been inaccurately reported on my credit report. This matter involves [ XXXX. ] and subsequent collection agencies { XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX }. 

Here is a summary of the situation : 1. Paid Debt : This medical bill was covered and paid through my insurance. 

2. Debt Removal : After contacting the previous collection agency, they removed the debt from my credit report, acknowledging the error ( XXXX XXXX XXXX ). 

3. Debt Resold : Despite this resolution, the debt was sold to another collection agency ( XXXX XXXX ) and has since been re-reported on my credit report, causing unnecessary distress and potentially damaging my credit standing. 

I have made every effort to resolve this directly with the collection agencies involved but have been unable to reach a satisfactory resolution. I am requesting CFPB 's assistance in addressing the following : - ) Ensuring this debt is permanently removed from my credit report. 

- ) Preventing any future sale or reporting of this invalid debt. 

- ) Investigating the practices of the collection agencies involved to ensure compliance with federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter are copies of relevant documents, including : - ) Correspondence with the previous collection agency confirming the debts removal. 
- ) Current credit report showing the re-reported debt. 

I kindly ask for your prompt attention to this matter to ensure that it is resolved fairly and permanently. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX :
Product: Credit card or prepaid card

I requested a " change due date '' at least twice, since on the 1st of the month is often when I may miss the payment, so I wanted something later, such as 3rd or 5th of the month as a new due date. I believe they adjusted it. However I see now this and previous month I am charged a LATE FEE for paying on the 2nd of the month.

Why won't they allow me to change the due date??? 
their assistant claims " 'm sorry, I'm unable to change your due date. Your account has already had a due date change within the past 12 months. '' but they never allowed the change ... and they try to scam me on late payments.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) XXXX XXXX XXXX Account # XXXX also XXXX  XXXX Credit card Account # XXXX and XXXX XXXX.
Product: Mortgage

When my loan was purchased by Mr.Cooper on XX/XX/XXXX is was delinquent paying property taxes due to actions of the previous mortgage servicer. I called them to get them to pay the delinquent bill and the penalty associated with the payment being late. They paid the delinquent taxes and the penalty out of the escrow account on XX/XX/XXXX. I asked them to pay the late penalty of {$190.00} into my escrow account as they are responsible for late payment penalties. They have refused. I called back on XX/XX/XXXX and they still refuse to pay.
Product: Debt collection

Be Advised Capital One, you have been sent the following notice in relation to your attempts from collecting alleged debts and present debts Not OWED to you ; Debt Validation notice, cease and desist and billing error notice. You are attempting to collect alleged debts from ( a federally protected CONSUMER and not a customer that extended my credit to you, and you have been taking advantage of me ) without any authorization or authority to do so. You are exhibiting UNFAIR DEBT COLLECTION PRACTICES in your attempts to collect these alleged debts violating federal law 15 U.S.C 1692 and are not maintaining business practices consistent with the Truth And Lending Act 15 U.S.C 1601 nor the fair billing act 15 U.S.C 1666. You are required by LAW to adhere to these regulations and maintain business practices consistent with these laws, also including your requirements to have business practices consistent with Generally Accepted Accounting Principles pursuant to 12 U.S.C 12 1831n. Your actions lead to a violation of the law and your oaths to maintain these practices in your business dealings. As the natural person, I am demanding all of the information be sent as required pursuant to the aforementioned laws and those clearly and conspicuously shown in the attached notices. As a consumer, I have a right to dispute ANY act that violates me as a natural person. As congress has stated YOU are a debt collector pursuant to 15 U.S.C 1692a ( 6 ) and your adherence to this FEDERAL LAW is NOT optional. In my attached notices I have demanded several original documents, if your claims hold any merit you will have no problem providing proof. This demand is NOT optional you are REQUIRED pursuant to the freedom of information Act Act 5 U.S.C 552 to provide ALL the information that was demanded the exact way it was demanded. Any submission not in compliance with these demands will create exhibits that prove that I do not owe you any alleged debts. As the ORIGINAL CREDITOR and CONSUMER involved in the alleged debt, I am demanding you comply with the demands in this attached notice. The affidavit must be answered point by point. I will not hesitate to pursue further litigation to enforce the protection of my consumer rights if need be. Without this demanded documentary evidence that I owe any alleged debt, your practices are inconsistent with 15 USC 1692 and you will be held FULLY accountable for your WILLFUL NONCOMPLIANCE with federal law. Pursuant to 15 USC 1635b I have a RIGHT to rescind ALL money and interest that was paid for an alleged debt that was not for me to pay back to an account I desire. Also pursuant to 15 1692h because I was deceived to pay an alleged debt, for future payments I choose to apply for such payments in accordance with my direction.
Product: Checking or savings account

My phone and wallet was stolen and my account was compromised so i contacted chime to start my dispute process. Within 2 days, my claims totaling {$900.00} that were totally UNAUTHORIZED was denied. I just reopened my dispute case and i want and need provisional credits. Not only did the customer representative not put down the right things i said on my claim, they didnt add my police report either. I just want access to funds and have a fair case. Please provide me with provisional credits also because i am a victim.
Product: Credit reporting or other personal consumer reports

I had my personal info and all my personal documents stolen a few years ago, people had used my info to get stuff I guess and they got a car it looks like, under my name even though it wasnt me. I want to get this stuff off my credit because its really causing a hardship for me. With all that stuff about the lawsuit from the CFPB its really making me scared this stuff wont be done right. I dont want to have to sue the credit places like the CFPB did to make sure this is done right. Please take this stiff off my credit.
Product: Credit card or prepaid card

I wanted to apply for capital one quick silver but it seems they have another card as well capital quick silverone as well which has a yearly fee .The names are so similar and as XXXX without desktop amd looking stuff up on a tiny mobile I accidentally clicked on that ..if the product are different shouldnt they try maybe different names so that for people like me applying for a card while juggling a lot of things accidentally click a wrong one..or is that what they are hoping for? That people accidentally click and they get money? i got a email immediately confirming my approval in which they mentioned my benefit which was same a quick silver but convienently didnt mention the fee ..i realised it was different only when i noticed the charge .now i am stuck with it because closing will effect my crdit
Product: Mortgage

I began this process a year ago. I applied for mortgage assistance, and was entered into a short sale agreement that unfortunately didnt work out. There were issues with the realtor, and eventually the agreement fell through due to requirements from the mortgager that was supposed to get handled but never were. Things were being requested that were never in the home before we purchased it. I never received a resolution, and entered into the assistance program again. This time around I had an individual interested in renting the property to help us get out of our financial crisis. I simply needed a forbearance agreement. Sounded simple, but now over 8 months later, I am still getting lied to and XXXX  around. I believe their goal is to obtain the interest, and render me completely insane in the process. I have literally sent them every shred of paperwork requested multiple times. I would talk to a rep that stated everything was there and good to go, and the next time I called would be told the opposite. I would resend everything again, and go through the process all over. This exact described situation has happened so many times I lost count. I talked to reps during these months that called to check on the loan and if I would be making a payment. When I told them I am in the assistance program, they stated that they were in a different department, and couldnt assist me. It became so crazy that they said a small smudge on my docs were keeping my files from going through. I corrected the said smudge, and the next time they didnt know of any reason my files werent working. I sent the docs needed to them in so many ways that they should know everything about us. Now, they arent working with me, and I have a forclosure date looming. All I need is a forbearance to proceed with the renter. Please help us out!!!! I cant work with people that tell me lies after lies. I am going insane!!!
Product: Debt collection

Pro collect shows up on my credit report to owe {$210.00}. 

I contacted the collection agency, at XXXX XXXX in attempt to pay the debt. When they refused to provide a proof of payment or receipt of payment by email for me I asked to speak with a supervisor or higher authority, the lady put a man by the name of XXXX XXXX on the phone, he refused to tell me his first name because he said that it is against their policy I went on to ask his position, he told me that he is a recovery specialist I asked if he was a manager or supervisor and he told me no. I told him that I specifically asked to speak with a supervisor or someone of higher authority and he told me that he could not allow that. He then stated my name to be XXXX XXXX I told him that is not my name and he then asked for my name. I said Im not giving my name since you have my social tied to someone else, he then said that there is two names and he just assumed mine was XXXX XXXX. I refused to give my name after discovering that a different name is tied to my social. He then began trying to force payment by asking for my card number while yelling at me that he was putting me down as refusal to pay. He continued to talk over me when I continued to ask for a supervisor. Repeating that he was putting me down as refusal, he told me there isnt a reason for me to speak with a manager that there isnt an issue. I told him that they have my social tied to a different individual and he just continued to yell that he has updated my status to refusal to pay and I stated again that I didnt say I was refusing to pay but that they have incorrect information against me. I never received anything in the mail, they didnt even have my address but asked for it.
Product: Debt collection

The company FH Cann and Associates began garnishment of my paycheck without serving me any paperwork. I don't know if I've been sued or what or when the court case was. They are also in violation if the CARE Act by refusing to stop student loan collection after XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following dates ) : XXXX XXXX XXXX XXXX XX/XX/year>. XXXX XX/XX/year>. Equifax. 
These dates do not agree with each other, that is inaccurate information. 

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 



You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would time fore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.