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

XXXX accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A.it also states a consumer reporting agency can not furnish an account without my written instructions XXXX accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 

15 U.S.C 1681 section 604 A.it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c-2 ] XXXX Collections Account # XXXX ( a ) XXXX. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in countless letters to Equifax Information Services, LLC about deleting the XXXX account that is on my report. XXXX  and XXXX have been both served with a Cease and Desist Notice. The account needs to be deleted from my Consumer report. I did not give Equifax permission to furnish any information to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the process of purchasing a home. I looked over my credit report and I noticed that there are inquiries on my credit report that I did not authorize. Every Inquiry that is not attached to an active account I did NOT authorize and needs to be removed immediately.
Product: Checking or savings account

Chime made many promises to refund fees on my account but never kept their word. Just repeating promises to do it. Then they wouldn't. Then I had fraud on my account. Chime closed my accounts. They made it extremely difficult to get my claims processed. They would request more info from emails that could not be responded to. I know they can send emails that do allow response. I've gotten those too. But they never sent those to me when requesting info for my claims. They'd only come from emails that sent me back automated messages about no response was sent because the email doesn't allow it. Then hang up on me or refuse to help me when I called. Then they would deny my claims. I got part of my money back from reaching out to merchants myself. I only received a part of those refunds before my accounts closed. And with no more account access to cross reference what payments still need to be returned, I have no way to confirm what money is still owed to me from the refunds I secured on my own. In addition, I requested a copy of the documentationused to deny my claims every single time. All I ever received was a copy of the intake document used to take the claim over the phone. Typically with only half the correct info from the interview. They also would immediately deny the debit card disputes that would require provisional credit if they needed more than 10 days. It was usually less than XXXX hours after reporting the claims. Not giving me any time to submit my docs. But they would leave the disputes open on my credit builder account because provisional credit was not required. Then make it impossible for me to cooperate and deny the claim with no valid documentation to support why. Only XXXX dispute was found in my favor. Just XXXX. My total disputes were for over {$3000.00}. The one found in my favor was just {$620.00} out of over $ XXXX Accounts closed XX/XX/XXXX. Dispute found in my favor XX/XX/XXXX. I have called and called and called and called. I've been told of escalation and promises of payments dozens of times. They sent XXXX checks that they canceled before arriving and I could not cash them. And I've been fighting for XXXX weeks now to even get the XXXX check issued. I get hung up on often when demanding answers. This is so unbelievably unethical. The XXXX I just spoke with kept repeating that it'll be received within 14 days of my last email communication, but refused to actually check on anything. I desperately need those funds. But I'm getting nowhere. Getting nowhere with my denied fee refunds, my unfairly denied disputes, and with my unfairly delayed account closure check. I'm including a picture of both of the first XXXX checks sent to me that I was unable to cash because they canceled them. I also included a couple screenshots of the automated responses sent to me when trying to provide additional details they asked for. What they have done has caused me so much harm.
Product: Mortgage

Can Wells Fargo produce the mortgage loan note? Does Wells Fargo own the mortgage loan note? Who actually owns the north loan for the property located at, XXXX XXXX XXXX XXXX XXXXXXXX XXXX? 
XXXX XXXX. XXXX for mortgage violations. 
XXXX XXXX XXXX Improper mortgage lending practices. 
XXXX XXXX XXXX. XXXX for fake accounts. 
XXXX XXXX XXXX. For actions during the subprime mortgage lending. 
XXXX XXXX XXXX XXXX for fraudulent sales practices XXXX. 
XXXX XXXX XXXX XXXX overcharges lates fees and other charges XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, the illegal sales practices began high pressure loan. 
XX/XX/XXXX. The illegal closing on the property at XXXX XXXX XXXX XXXX XXXX XXXX 
Could not get insurance with a major insurance company The taxes owes and lien with the tax lien being sold! 
Loan closing document 2 highlighted area proves the sale was illegal. 
The loan was a HUD loan as proven in the closing documents. 
The constant changing of the actual mortgage payment due. 
The inconsistency in the mortgage statements, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX showing the accidental death insurance, never authorized, NJ, never reflecting the death insurance. NJ, also showing XXXX statements with amounts due, the amount before the XXXX, loan modification! 
XXXX loan modification photocopied documents and the original loan modification document, proof the manipulation and theft of our account. Shows the blatant fraudulent practices then. 
The repeated responses to our complaints saying numerous times that Wells Fargo can by law only access the last 7 years. 
Wells Fargo employees responding and blatantly lying and still defrauding us, 19 years! 
The XX/XX/XXXX XXXX XXXX payment, result of Deferred Prosecution agreement in criminal matter, Settlement of civil claims and FIRREA and resolution of SEC proceedings, is an agreement Wells Fargo made, to compensate the consumer, us,! XXXX XXXX from this fine is exactly what Wells Fargo agreed to do! 
XX/XX/XXXX. XXXX XXXX for improper mortgage lending practices. This is yet another fine that the XXXX XXXX Im asking for can be paid from. 
XXXX XXXX XXXX XXXXXXXX for fake accounts, again another fine and violation the XXXX XXXX XXXX asking for! 
Every fine and violation stated can be used to compensate us the XXXX XXXX we are asking for. We have proven we have been the victims of the illegal practices and actions by Wells Fargo bank and mortgage companies for 20 years. 
We have proven the criminal actions and we are demanding compensation of XXXX XXXX dollars.
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Open Sky you furnished alleged transaction on my { Experian, XXXX, XXXX ( Chose the CRA that the late payment was furnished to } that you identified as late. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 
Do not rely to me stating that you are furnishing accurate information because we both know your not. 
Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : XX/XX/24 XXXX XXXX Account # XXXX XXXX XXXX _________________________________ Without Recourse UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXXXXXX XXXX XXXX XXXXXXXX on my report and this account is not mine. They are violating FCRA guidelines which ive sent to them to adhere to. 

FCRA 15 USC 1681 602 AND 604 I DID NOT GIVE PERMISSION TO OPEN AND FURNISH THIS ACCOUNT ON MY REPORT AND THEY ARE ALSO VIOLATING MY RIGHTS TO PRIVACY AS WELL
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX XXXX   XXXX****, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX, XXXX , XXXX  , XXXX  and XXXX
Product: Money transfer, virtual currency, or money service

I had given a friend {$100.00} through XXXX XXXX that friend then proceeded to set up an account in my name without permission and took {$2000.00} from my checking account. I didn't give him my pin number but the bank said it wasn't fraud and refused to refund the money.
Product: Credit reporting

XXXX, there is incompetent unproven sloppy blunders, concerning this ongoing issue with a criminal slumlord, that tried to scam and cheat me with worthless unrentable property. THE facts and irrefutable proof is with the City of XXXX, CA Code Inspections DEPT. Took XXXX days and XXXX visits to get this imbecile accountable. XXXX XXXX. This fraudulent and stupid blunder stating the injured party ( myself and my wife ) was evicted by a bias retired judge is criminal and punitive. I have rented XXXX years never been evicted. I do n't start now because I met XXXX trying to scam me and obvious retaliatory ( illegal ) eviction. This incompetent idiot on the bench was reported to the California assigned judges program, PLUS this disgraceful XXXX of justice is now at the California XXXX XXXX XXXX for review of incompetent jurisprudence/bias. emphasis added. I 'm sure these same sloppy blunders are in my wifes credit file also. XXXX XXXX ( ALL ) XXXX credit agencies. These are all harmful, negative blunders. Contempt without investigation is a TORT violation in california.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with 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 my 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 XXXX, XXXX, XXXX and XXXX 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  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
Product: Mortgage

We have a mortgage with Suntrust/Truist , My title company as well as I have been trying to obtain the payoff letter for over a week I have contacted Suntrust no less than XXXX times. I have tried to access their website in order to get the information needed and there is no option for payoff information. It should not be this hard and I should not have to contact a company over and over again to get the information as I am scheduled to close tomorrow XX/XX/2021 and they are yet to produce the document
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a vehicle with XXXX XXXX in XX/XX/XXXX. 39 month lease. 100 % on time payments. At the end of the lease in XX/XX/XXXX I returned the vehicle. I received confirmation ( in the form of a document I have and signed ) that the 2 sets of keys were returned, the lease has ended, they received the car and the mileage allowed did not go over. I also have a condition report that the car was in perfect condition and dealership was going to sell it. 
However XXXX XXXX since XX/XX/XXXX keeps submitting to my credit reporting agencies that I am late on payments for XX/XX/XXXX and XX/XX/XXXX and will keep submitting that I am late for every month until this is corrected. due to this incorrect reporting my credit score has dropped around 50 points. I have 100 % on time payments with everything including XXXX XXXX. 
XXXX XXXX computer system thinks I still have the vehicle and they think I still have payments so when they don't receive a payment they are reporting it late. It's impossible to make a payment on a vehicle that I do not have any longer, nor do I have an open account with XXXX XXXX. When I call XXXX XXXX they keep apologizing and say that their records show I owe property taxes on the car, which XXXX Financial knows is incorrect because the car is in California and we do not have property taxes here. I have been disputing this since XX/XX/XXXX and yet XXXX XXXX continues to report that I own the car and that I have payments. The vehicle has been sold and XXXX dealership confirmed that. My lease is up, I do not have the vehicle and I do not owe any money, especially property taxes. XXXX XXXX refuses to correct it with their automated billing. This problem will never ever end and they will continue to report late payments every month and their computer system will not stop. I need your help to stop this. I have disputes with Transunion, XXXX and XXXX. All agree this is an error but can not stop XXXX XXXX XXXX reporting late payments every month to them. Please please help me. I have never been late on any payments and this false inaccurate reporting by XXXX XXXX has to end now. I have called XXXX XXXX many times and they do not want to help and they do not want to look into the property tax charges, even the tax collector has called XXXX XXXX to say no taxes are due, yet XXXX XXXX continues to say I owe taxes, but they are reporting it to the agencies as late payments. They are really a messed up system that doesn't want to help. i am praying you can help me.
Product: Credit card

Capital One has ripped us off on savings interest fraud now they are hitting us with late fees and interest on credit card payments with REI. 
We send our payments in 12 days before the due date, and they have been claiming they have received the full payment a day late. 
We pay on time but are unable to prove when they receive the payment. 
We can not mail the payment early enough to avoid fees and charges. The system is rigged against the card user.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor and my sign hippa release form. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Debt collection

Thanks for the opportunity to file a complaint. 
Debt collectors have contacted me for at least 20 years about a XXXX XXXX 's various debts. I am disgusted. I am sending the letter below to this company. Honestly, I fear letting these people know my real name.

Why do you ask at the end of this complaint if I am the account holder or debt owner? I am neither. That is the problem.

Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX   XXXX Dear debt collector, Re Transworld systems account number XXXX I am not XXXX XXXX. I have never been XXXX XXXX. It is not a derivative of my name. I have no children and do not have any relatives by that name.

No one by that name has ever lived at this address. Fact.

Even better, I have been a XXXX XXXX customer most of my adult life and definitely the past 26 years. XXXX XXXX knows who I am and knows that I do not owe them a dime and never have. If I owed that money at my address I would not have heat and lights and you know it.

Attaching someone elses first name to my last name and address is filthy.

You can threaten that unless I spend the time I have in life on someone elses debt that it then becomes a valid debt for you to pursue?

Why dont you pursue the right person?

But you never know right? One day, maybe soon, I will be so old and infirm that I just might pay someone elses debt and you will get a commission.

Maybe I will die and someone will pay XXXX   debt to settle the estate and you will get your commission.

Debt collector, try harder to find the right person.

Remove my contact information ( address ) from your file.

Do not contact me again.

If you have reported this debt to my credit file using my address, remove it.

I will be filing a complaint with the federal consumer protection bureau.

I am sick to death of collectors coming to me for someone elses debt.

I am not signing with my name because I believe you will then update your records with it.

Look up your own account number. You have the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account have been recently investigated, closed, and deleted from my XXXX  and XXXX credit report. I would like for this account to be deleted from my XXXX credit report. Inaccurate information is hurting my credit profile and by law I would like for this account to be deleted immediately please.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # 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 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
Product: Checking or savings account

An account was opened in my name with Bank of America without my permission. I did not apply for any application with this Bank to open any accounts with them. This is disturbing to know that banks are opening up accounts in people names without permission.
Product: Credit card or prepaid card

My credit card was stolen on XX/XX/XXXX. Charges were made beginning at XXXX on XX/XX/XXXX. Over {$2200.00} on my chase credit card in 24hours. I never used this card before, it was my  emergency card, I used it only at the emergency XXXX clinic on XX/XX/XXXX. The vendors and my credit card company refused to give me any information about the IP address.. local law enforcement is too busy and refused to look in to my report. I would like to get the IP address of the fraudulent charger to prevent them from doing this again to anyone else. Why wo n't anyone listen to me?
Product: Checking or savings account

JPMORGAN CHASE BANK CLOSED MY SAVINGS ACCOUNT SO THEY WOULDN'T HAVE TO PAY THE NEW ACCOUNT BONUS THAT I WOULD HAVE GOTTEN FOR HAVING {$15000.00} DEPOSITED. BOTH OF THE LOCAL BRANCH EMPLOYEES DIDN'T KNOW WHY THE BANK CLOSED MY ACCOUNT, WHEN THEY BOTH ADMITTED I HAD DONE EVERYTHING CORRECTLY AND THAT WAS NEEDED. 

THEY SIMPLY BLOCKED MY ONLINE ACCESS AND THEN TOOK SEVERAL WEEKS TO REFUND MY MONEY.