23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have been hooked into a mortgage scam. Wells Fargo Home Mortgage holds our mortgage. We have had a financial setback that has us working with their specialists. During this process they have allowed ALL of our personal financial information to be released to a scammer. We were contacted by a " XXXX XXXX  '' calling on a Wells Fargo number ( XXXX ) who told us that they were with underwriting and that we had been accepted for modification however we needed to immediately replenish our escrow account with a very specific {$1300.00}. They wanted it sent either by XXXX XXXX or XXXX immediately to a " XXXX XXXX XXXX '' supposedly a Wells Fargo attorney in XXXX. I also had to call back XXXX at XXXX. Some red flags were going up so I grilled him -- he had ALL of our personal information -- my wife 's full name, our social security numbers, loan amounts, addresses, etc. When I questioned why I was calling XXXX to send money to XXXX, he asked if I wanted him to call back on the Wells Fargo XXXX  number -- I said yes and he did.

Wells Fargo has negligently allowed all of our personal data to be acquired by these scammers. None of what they were saying was true.
Product: Checking or savings account

Hello, I want to make a complaint with Bank of America and with I guess with your company as well. I report a few claims of Fraud with my checking account with Bank of America because I have identity theft reported on my credit store. There is a address and name that is on my credit report that I dont recognize and Im having issues with fraud on my checking account. I guarantee that these too issues are related and this person is using my account and stealing my funds and Bank of America is saying that they are not paying the claims. I already reported this to your company and I received a email stating that I needed to call and confirm some information which I did and left a few messages and I have not heard anything back. This is beyond frustrating because this person was using my account and taking my money and theres nothing being done about it and they are getting away with it. I attached files on my last report so they should be on file. Please reply back to me as soon as you can it would be greatly appreciated. Thank you.
Product: Credit reporting

The creditors have wrong personal information. I have married and my last name is changed along with my address. I also noticed that they have medical debt reports that I did n't even know I had and can EASILY be taken care of right away! These things are a HUGE reason I am getting such a bad report, I NEED THIS CLEARED AS SOON AS POSSIBLE. Also I am taking care of a HUGE student debt, that should be showing progress to my credit report but just found out that it is n't because of them not HAVING THE RIGHT CONTACT INFO and my name change due to marriage. I have reason to believe my someone is using my name and social security number to keep utilities in my name, I see I have a " consumer energy '' and " XXXX '' debts in a time frame that I 've lived here at this current address and KNOW for a fact could n't be my debts because we have different providers actually I still have them until this day. WHAT DO I DO?
Product: Checking or savings account

My wife and I have banked with Capital One since XXXX. We have a checking account and savings account that are joint accounts. We also have a XXXX XXXX account and a CD that are not joint accounts. We have tried for the last year to get Capital one to make sure that all of our accounts with their bank are set up as joint accounts just like our checking and savings account. For whatever reason and after numerous calls and hours spent on the phone with them, no one seems able to help us change these accounts to joint accounts. I have written to them and never received a reply. Just last week my wife spent over two hours on the telephone and spoke to various levels of customer service personnel and supervisors. But again with no results. My wife needs to be joint account holder on all of our Capital One accounts in case something was to happen to me for her to be able to access our funds at Capital One.
Product: Credit reporting or other personal consumer reports

This request is essential for resolving consumer concerns related to personal financial information, account discrepancies, or inquiries about financial products and services. By gathering and verifying this information, we can deliver accurate solutions, address issues effectively, and protect consumers from fraud and identity theft.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Credit inquiries were put on my credit report without my permission. 

XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXXXXXX, XXXX Phone number ( XXXX ) XXXX SYNCB Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX SYNCB/TJX DC Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask to see the original contract tPlease remove this inaccurate information from my credit report. Key inconsistencies are found in total accounts, open/closed accounts, debt in collections, and hard inquiries. Experian is missing a significant amount of account data, especially for revolving, installment, and collection accounts. Additionally, name and address formatting is inconsistent across the bureaus, and Experian lacks crucial personal and account information compared to XXXX and XXXX. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation immediately and delete Significant inconsistencies exist in the payment status, responsibility, and times late categories. Experian is missing almost all relevant information, which further creates discrepancies across the bureaus. Additionally, XXXX reports missed payments while XXXX reports charged off status, creating conflicting data.
Product: Mortgage

On XX/XX/2016, I submitted a loan modification application to Nationstar. After I submitted my application, I submitted every document Nationstar requested after that submission. This week, I learned that I was denied a modification. The letter denying me a modification only reviewed me for Nationstar 's own Standard Modification. But I should have been reviewed for a HAMP product. While I had a HAMP Tier 1 before, I should have been reviewed for a HAMP Tier 2. The denial makes no mention of my eligibility for HAMP Tier 2 and presumably Nationstar did not review me for a HAMP Tier 2.
Product: Debt collection

I have not had a credit account with XXXX since XXXX. And have no debt to them, then all of a sudden get a {$290.00} debt on my XXXX XXXX account with no prior communication or knowledge of it, I disputed it before but it cam back as connected to me??? 
I was told not to contact the collector directly, as they can be tricky ... So I am turning it into you for help. 
Thank you kindly for any and all help with this. 
________________________________________INFO1 account reported on XXXX XXXX, XXXX OpenAccount # 1 {$290.00} XXXX XXXX Creditor $ XXXX BalanceJul XXXX, XXXX Opened DateMar XXXX, XXXX Last ReportedIndividual ResponsibilityAccount information disputed by consumer, meets FCRA requirements
Product: Consumer Loan

I 've been trying to make my payment with Chase Auto finance on my 2015 XXXX XXXX. I got a new bank account with XXXX. I am trying to pay with my checking account by phone. I have been trying the last few calls. Yesterday I was told all late fees would be waived and I would owe my normal monthly payment amount. I tried to setup the payment yesterday with both and respresentative by phone, then again calling using the phone automated system. I can not, we can not get a payment made by check to go through? I do not want my car to be taken, I am trying to setup a payment, have been trying. I am on phone now with XXXX that called my cell of : XXXX. We have been speaking for over a half an hour, with supervisor involvement. I want all late fees waived and to be able to setup my car payment using my checking account. How can I do this? Repeated mistakes made by another lending institution that is causing me fees and hardache. XXXX Bless America, it feels like sobotage on all fronts. Please advise how I can setup a payment by check using phone, as I no loner use credit cards.
Product: Mortgage

XX/XX/XXXXXXXX  Property address XXXX XXXX XXXX, XXXX, NY XXXX Account # XXXX To whom it may concern, I need answers to my questions, if you can not provide answers, please find someone that can so we can save some time here. 

Summary : I have requested a DIL back in XX/XX/XXXX, my request was not acted upon until XX/XX/XXXXXXXX  and then I find out the deed on the house was not considered valid. It then took months for TD to correct the deed. Then I am being told that the DIL can not go forward since there are taxes to be paid. At that point apparently I owed about {$45000.00} to XXXX XXXX. If the deed would have been corrected immediately, the bank would have owned the house and there would not be an issue. 

I have paid taxes for an entire year when I requested a DIL. There was plenty of time for TD to correct the deed ( which I did not know at the time was incorrect ). 
I need TD to correct my credit, my credit is now ruined because of this situation. 
Does anyone feel responsible for anything in my situation, and if you do what will be done about it? 
I need to know WHEN this ordeal will end and HOW it will end, what is left in the process, what are we waiting for etc. 
To top it all, I got a letter from TD bank that I can still live in my house until a judgment is rendered. This is 6 years later, after they have locked the house and charged me with inspection after inspection. 

To the judge : I would appreciate it if the judge would read this and attempt to correct this situation. Here is what I want : Take ownership of the house and correct my credit.
Product: Credit card or prepaid card

Been a client for years and closed my bank account. Setup autopay under the new bank account and Synchrony still lost my payments. They charged me for late fees and closed the account despite my perfect payment history for years.
Product: Debt collection

Ca n't stop calling about 8 times a day and after  XXXX    XXXX   XXXX   XXXX  .
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove this account as soon as possible. -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
Product: Mortgage

I requested a payoff through my mortgage company ( XXXX XXXX ) AKA ( Loan Care ) I sent a payment XX/XX/2021 to pay off my mortgage. New red records indicate the funds were received on XX/XX/2021. As of XX/XX/2021 the funds are still being held in a suspense account and not yet applied to my principle.
Product: Payday loan, title loan, or personal loan

Look XXXX  Keeps Dropping My Bank Accounts For XXXX XXXX, and XXXX  XXXX since XXXX, not getting any credit boost for paying self reporting accounts!!!!!! " keep getting errors when trying to connect financial institutions!!!!!
Product: Credit reporting or other personal consumer reports

Hi, Please see attached necessary information in order to show I have not applied for a loan or created any account under my name and personal information. My personal information has been stolen and loans have been applied in my name. I am not liable for the loan, and that this inquiry will be removed from my credit report. My DOB is XXXX. My address is XXXX XXXX XXXX XXXX XXXX, TN XXXX. I will not disclose XXXX via email but if that is required please call me at XXXX. 

XXXX XXXX included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/year> and XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Police Report # : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Police Report # XXXX
Product: Vehicle loan or lease

On or about XX/XX/XXXX, a retail installment agreement was made between XXXX/Bridgecrest and XXXX XXXX XXXX XXXX The agreement included GAP insurance which covered and indemnified the full amount of the retail installment agreement. The vehicle named in the retail installment served as collateral along with the security interest in the note which subsequently turned into a security after 9 months. Bridgecrest executed an involuntary repossession on the vehicle on or about XXXX XXXX. However, after a vehicle title search and UCC 11 search, Bridgecrest had not perfected title nor security interest via perfected lien, on the vehicle. Additionally, after further research, Bridgecrest received indemnification of the retail installment contract via the GAP insurance payment filed by Bridgecrest on or about XX/XX/XXXX thus eliminating any monies that may have been alleged to be due on the contract. However, in XXXX, after filing numerous complaints against Bridgecrest, Bridgecrest continued to assert that there was a remaining balance outstanding on the contract ( See responses to previous CFPB complaints by BRIDGECREST ). These responses evidenced Bridgecrest 's failure to properly address the concerns raised in both complaints by victimizing the complaintant with a recitation of the history of payment transactions with no evidence provided for such transaction history. 

Bridgecrest also failed to properly file a 1099C with IRS, and forward the appropriate documentation per tax codes and IRS policies, as the alleged debt was over 3 years old and had been " charged off '' according to Bridgecrest 's accounting records. Bridgecrest has also violated the Security Exchange Act by not properly reporting the security transactions it engaged in, and failing to disclose such transactions per TILA. Bridgecrest has also failed to provide me with the full accounting of this contract according to GAAP and GAAS, despite numerous complaints and requests to do so. Bridgecrest has been willfully negligent and violated federal and state laws, along with violations according to the Securities Exchange Act. ( The latter will be reported directly to the SEC ). BRIDGECREST further violated by executing an involuntary repossession on a vehicle in which they had not perfected a security interest nor title, thus committing fraud and theft just to name a few federal violations.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3 rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & amp ; 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name 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: Credit card

I purchased a bed in XXXX XXXX from XXXX 's and opened a credit card with Synchrony Financial with a promotional 0 % interest rate until XXXX/XXXX/XXXX. I then returned the bed for another bed that was more expensive. The difference of {$290.00} was put on this same credit card with another promotional 0 % interest rate for 6 months ( amount due XXXX/XXXX/XXXX ). The issue is the minimum payments did not include the amount necessary to payoff the amount of XXXX promotional rate before it expires. This causes the deferred interest to be charged even if you pay the minimum payment. The credit card is one account so any payment should first be applied to the purchase off the promotion that has the shorter promotional expiration date to avoid the deferred interest instead of applying the minimum payment equally over the two promotions. Also there is no clear disclosure on the statement for how Synchrony decides to allocate payments ( apparently equally ). This equal allocation of payments traps consumers into not paying off the promotional balance before the promotional expiration date.
Product: Debt collection

I am writing to formally dispute a debt that you are attempting to collect on behalf of another party. I believe this account is inaccurately reported on my credit report. To date, you have not provided any statements or documentation directly from the original provider that verifies your legal right to collect on this debt. Without this verification, I can not accept the legitimacy of this claim. I request that you provide the necessary documentation to confirm your authority to collect this debt. If you are unable to do so, I ask that you delete this account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting XXXX XXXX about a card that was opened that has been reporting on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. They have closed the account on one bureau, deleted from another bureau, and showing on XXXX. This is illegal ; and needs to be DELETED from my credit bureaus. I havent had a card with XXXX XXXX and i have disputed this. they keep updating the dispute
Product: Checking or savings account

On or about XX/XX/2022. Someone use my identity to opened a US Bank account online. He or she deposited my tax return check from the IRS for about {$16000.00}. Once the account was opened, he or she would change the address to his or her apartment which was somewhere in the state of California. US Bank representative can be contacted at XXXX. My ID theft claim number for the case is XXXX. If you could please send me a reference number for this so that I may send the IRS a statement for get my refund back. Thank you very much.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports