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

After looking over my consumer report I've noticed that Experian is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection, Section ( c ) Ceasing Communication, I ask that the creditors cease communication with me which also includes removing these accounts from my consumer report which by definition is a form of communication.

Violations listed below : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681i - Procedure in case of disputed accuracy, Section ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S. Code 1681e - Compliance procedures
Product: Credit card or prepaid card

I received a notice about change of terms from my XXXX Comenity Bank credit card. I noticed the late fee charges. They hadn't changed but it piqued my interest, remembering reading about the Credit Card Accountability Responsibility and Disclosure Act of 2009. I had saved an article that covered the terms. I noticed that there was a cap of late fees for first time offenders of {$25.00}. I noticed my card late fee for this was {$28.00}. I've attached a copy of the agreement that shows this information. 

I called and naturally the reps knew nothing about the law and one told me that the {$28.00} fee had been in effect for as long as she worked there. She transferred me to a supervisor who also knew nothing about the law and was of no help. When I suggested that he should look into it, he said there was nothing he could do. 

I called FDIC and they referred me to you. They also suggested I look on the site for other agreements and see if other banks are complying. I did download a database of 121 other agreements. It will be interesting to see how many are complying with the law. However, this should be your job, not mine.
Product: Money transfer, virtual currency, or money service

Sending money through XXXX in the past. There were no secondary verifications added. Money was sent to the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX : {$1600.00} XXXX XXXX  XXXX XXXX XXXX  : {$1000.00} XXXX XXXX XXXX XXXX  : {$0.00}
Product: Mortgage

XXXX Freedom Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX | XXXX, CA XXXX XXXX : freedommortgage.com/locations O : XXXX Ext XXXX Hello XXXX, I am having difficulties getting approved by Freedom Mortgage Company. 
First XXXX is the guy that is taking care of the refinance loan, he told me that he guaranteed me that he would get me refinance without a problem, now he is telling me my debt to ratio is too high, I would like XXXX to take a look at the file that Freedom Mortgage has put together and help me understand why I am not able to get approved for this loan. 

XXXX also told me not to pay my current mortgage payment, that everything would be paid off before the 30 days and made me late, now they tell me they can not approve the refinance.. Go figure. 

XXXX says the Underwriter does not want to approve this loan. 
I was already approved through XXXX. 
I can't for the life of me understand why they are not able to approve this refinance. The only reason that I can think of not being approved is because of my XXXX background.. 
Hopefully you can help me understand this process and see if this is the case. 

Thank you,
Product: Mortgage

I moved into m y partner 's (  not state " registered '' as we were waiting for the federal law to be change d ) ho use with him i n  XX/XX/XXXX  si gning a simple lease.  Mid- XX/XX/XXXX  he got very ill and i cared for him and his 4 elderly dogs until his passing in     XX/XX/XXXX .  i was a beneficiary of the house along with    XXXX   o thers who have told me when the time comes to probate they will withdraw their names from the will as they felt i deserved to be the sole beneficiary. They still maintain that position. I had opted not to go through probate because of  XXXX  in errors in his medical billing, which to avoid liens, needed to be resolved first.     I had called the mortgage company, Seterus ( anonymousl y ) af ter my partner 's death and asked a " what if '' question as to how someone should handle this situation with them. They said if I could afford to make the payments, just keep doing it and do n't report the  XXXX  to them otherwise, they would likely call in the loan. I also noticed this was the general consensus online as well. I made about 15 payments until the middle of   XX/XX/XXXX  I  missed  one  and everything came crashing down.     I tried calling everywhere for help and was told since i was n't the homeowner they could n't help me. HUD, Save Your  Home California, and so many other organizations shut the door on me. Once the notice of default was received i officially called Seterus and they refused to speak to me saying the only person authorized to talk about that account was the deceased borrow! The week of the auction came around and i tried calling the Seterus again and also the trustee begging them not to go through with the sale. Both asked for copies of the death certificate and will. I sent them to both of them and they both said it w as too late and they could n't help me. The house sold at auction on   XX/XX/XXXX  at  {$150000.00} below market value and the $  200,000+  in equity my  partner le ft to me so i could have a better future was gone.That same day i was visited by a representative of new owners, an investment group, and they tried rushing me out. I have been putting up a fight with them but they finally won their unlawful detainer suit and now awaiting the sheriff 's to lock me out along with my partner s 4 elderly  dogs which I 've been caring for. I have nowhere to go, and the money i thought id have for my future is gone. To make matters worse the   XXXX   ive endured over this hospitalized me twice over the holidays. I learned that after 12 years  of maintaining a healthy undetectable    XXXX   XXXX   status,   my   XXXX   XXXX   has crumbled and not technically have   XXXX  . I ca n't believe im about to be sick and homeless over this. This ca n't be how it ends ....
Product: Checking or savings account

On Thursday, XX/XX/2020 at XXXX I called Wells Fargo and was on the phone for over 2 and a half hours. I wanted to have a copy of a chargeback sent to me for my company. Also I wanted to know why I received an overdraft on our one account. I asked for the balance and the amount that I originally called about and it was {$1300.00} less than what it was supposed to be. My balance last time I checked was {$4100.00} and today {$2700.00} and I did not authorize nor conduct any transactions. In going over the information with the bank there was a chargeback against my account in the amount of {$510.00} which I had confirmation from the Visa company that they withdrew that amount in XXXX and I wanted to verify whether those monies were actually withdrawn from my account because we reimbursed the customer that amount in XXXX. I asked the customer service rep to put the account on hold and not allow any other withdrawals. She said there were several options, close the account and have the check mailed to me for the remaining balance, come into the branch and close the account or just withdraw the amount I was comfortable with, but that could only be done at the branch. I offered to come to my local branch, but they said it was closed due to the coronavirus. I asked about 2 other locations and those were also closed. I said under these trying times we need to conduct this over the phone. Then she told me that my one account had another charge on it. I at that point told her out of frustration I wanted to close the account and have a check mailed to the address on record. She told me no I could not have my money since I have a claim for {$670.00} opened and I told her to forget about the claim and I just want my money. I am still waiting for another claim which was reported to the police as there was fraud on the account for {$3000.00} and it has been over a year and I still have not been reimbursed for that account to date. They told me that I didn't report it within 24 hours so they weren't responsible to refund my monies which were illegally removed from my account. I told her I want to use the other option she gave me to close the account and have a check sent to me because our company is struggling right now due to the current coronavirus situation and I needed the money for our bills. She said no and I said that's our money not yours and I want you to send it to me. She then said that I was unprofessional because I was getting upset and she was disconnecting the call at which point she hung up on me. I was on the phone from XXXX until XXXX and they kept switching me to different people and the last lady was allegedly a supervisor. This is extremely poor business practice and I feel it is illegal for them to keep our money and not send it to me when I request it and ask to terminate our business relationship.
Product: Credit card or prepaid card

Citibank Credit Card Money withdrawal from Atm machine and unauthorized transactions, with the credit card in my possession. Dispute department, did not help to recover fraudulent charges. Ended result with phone hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is continually pulling soft credit reports against my will. I want them to stop as there is no reason for them to pull my report as I am not interested in a credit card. They are doing it to keep my credit score low.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I opened a Comenity New York & Company. On this charge I purchased a dress and in the same month XX/XX/2019, I returned the dress. I believed the financial part of the account to be settled, even. In XXXX I received an alert on my XXXX XXXX and it stated I had a late payment and my score fell XXXX points. After I reviewed the report, I realized that it was Comenity New York and Company. I immediately called New York & Company to get and explanation. The agent told me I had been charged a restocking fee or the fee for returning the dress, {$6.00}, I am not sure. I tried to reason with agent, and I requested removal of the late payment and a onetime courtesy to remove the negative remark off my credit report because my actions were not meant with malice, and it was truly a mistake. After the agent told me she did not have the authority to remove the late payment, I then wrote to the CEO of New York & Company requesting a onetime courtesy and or forgiveness of the removal of the late payment. I anticipated a favorable response. However, the response was devastating, the late payment remained. 
I used this card once and I strongly feel this time only my actions do not fit the severity of their actions. I tried to explain this is my letter. I opened a credit card, I used it once. I purchased a dress and returned it within the same month, and I was not aware of the {$6.00} fee. So, I am requesting assistance in removal of this late payment. 

Thank you
Product: Mortgage

I am reaching out to you because I believe I have been a victim of Wells Fargo mortgage forced insurance fraud with XXXX. As I was paying my insurance through my monthly mortgage payment serviced by Wells Fargo, they were supposed to be paying my insurance company. When I had damage to my house in XXXX 2015, I found out that the bank was not paying my insurance company. They have instituted a more expensive insurance policy that I did not approve of nor was I notified. I have been trying to get reimbursement and have not been totally successful. This has been a systematic and widespread practice throughout the financial industry resulting in multiple class action suits from homeowners numbering in the multiple XXXX dollars. 

As all of my correspondences are in emails and written letters, I am unable to upload most of my documents. Please reach out to me to obtain these.
Product: Vehicle loan or lease

GM Financial show 2 late payments in XXXX and XXXX of XXXX  and I communicated with them about the payments. They told me I didnt have to worry about the late ding on my credit report. I have since sold that vehicle, and can not continue the communication with them.
Product: Checking or savings account

Yesterday ( XX/XX/2018 ), I received a 1 page,  mailing from Chase bank titled : " Action Needed : Make a deposit to keep your overdrawn account open ''. I am continuing to DISPUTE, Chase Banks ' mismanagement of my account. As of today, Chase have repeatedly refused to set my personally set PIN number back to my choosing. As of today, Chase Bank have refused to properly manage my checking account. I do NOT owe Chase Bank a dime. The overdrawn amount ( {$34.00} ) was caused by Chase Banks ' mismanagement of my account. As of today, Chase Bank have REFUSED to adhere to the rules, policies and procedures that govern their business.. As of today, Chase Bank have fraudulently add my daughters name to my account ( via this mailing dated, XX/XX/2018 ). My daughter, left Chase bank month 's ago ( which had absolutely NOTHING to do with my personal checking account or relationship with the bank ) .. And, Chase Bank closed her account month 's ago ( which had NOTHING, to do with my personal checking account ). However, Chase Bank and their representatives have continued to practiced unlawful DISCRIMINATION towards me and my personal checking account. Her name, have NEVER been included on any mailings associated with my personal checking account mailings. I will continue to FIGHT legally, for my rights. i DO NOT OWE CHASE BANK A DIME! IN FACT, CHASE BANK OWES ME FOR THE ONGOING UNLAWFULLY PRACTICED, DISCRIMINATION! ALL SUPPORTING DOCUMENTATION WILL BE FAXED TO THE CONSUMER FINANCIAL PROTECTION BUREAU. ALL INFORMATION SUBMITTED TO THE CFPB IS TO BE USED " ONLY '' BY CFPB ( NOT, CHASE BANK OR ANY CHASE BANK SUBSIDIARIES )! XX/XX/2018.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Money transfer, virtual currency, or money service

PayPal close my account for not reason. 
They said suspicious activity but i do not made nothing wrong. 
i check all my activity and is not fraud or chargeback in my account. 
i think was a mistake. 
i try to use my account for buy online or send payment to my friend but has been impossible. 
i am waiting for PayPal more than 180 days for get access to my account and is being unsuccessful. 

My email address is XXXX XXXX
Product: Mortgage

As of XX/XX/XXXX my loan was paid in full for the amount I originally agreed to pay, not a short sale or anything less that what the loan was agreed on. I previously had a modification on loan in XXXX. The information being provided in the matter of late payments past 90 days has negativity impacted me in my ability to be approved for housing. I'm a father that is struggling to relocate and find a home given the information that is being reported by Planet Home Lending. After speaking with several representatives from Planet Home Lending, they denied my request for deletion off my trade-line. 

I explained how the reporting impacts me and holing me back from moving forward in life. The response from Planet Home Lending was to show the the attached document stating that the loan is paid in full.This document means nothing because the I will continue to be denied given the number of late payment beyond 90 days. It's inappropriate to report negative information given the fact that the business relationship is OVER. I have fulfilled my agreement and I'm simply asking for Planet Home Lending to DELETE all reporting off my trade-line immediately. This company has no right to still report on my credit given that my loan is paid in FULL. It makes no sense to negativity impact an individual that have resolved the loan, we have no more business therefore that company has no right to appear on my credit report. This is harsh, cruel and uncalled for. I'm being judged and denied for a business matter that I have fulfilled and no longer have any ties to. Can someone please help me in working to delete the reporting of payments that exceeded 90 days. The reality is, no one will take a chance on me given the information this company is reporting. Planet Home Lending did inform me that the plan to report to the 3 credit agencies on XX/XX/XXXX that this loan is paid in full. That not enough for me, I need this line item deleted off my trade-line. A logical, reasonable and ration individual would understand the impact and made the right decision. I pleaded my case to several individuals for the company to call me and tell me that they would not honor my request for deletion. Please HELP!
Product: Vehicle loan or lease

In 2021 I bought a car from US Auto sales after being coerced into a car I didnt want and lied to that I could exchange it at my local branch, which I was unable to do because it went over the miles allowed. I asked specifically about gap insurance and if the car comes with it and I was verbally assured it did and that its with the paperwork. My boyfriend at the time was a witness to this verbal acknowledgment. A year later I was t-boned and the car was considered a total loss. Although upset because I would have to restart my car buying journey over I figured I was ok with payments because I had the gap insurance. When I called about it they told me I never had gap and I needed to pay the money owed on the car. Its now on my credit as a repossession.
Product: Credit card

I have a wells fargo bank account. They sent me a letter saying I qualified for a visa rewards card thru them with a approval number I did the application with that number they sent and I was denied. Now why would my bank that knows my credit score give me that opportunity? They said it was a mass mailing and gave me the run around.it was a hard inquiry on my credit. I feel that it was a unfair decision. Thank you, XXXX XXXX
Product: Debt collection

USAA FEDERAL SAVINGS Bank reporting to the 3 credit bureaus as a derogatory mark on there I aske that this be remove balance of {$20000.00} is a negative report on my credit reports AND HAVE SENT SEVERAL LETTERS TO AGENCY ALL COME BACK RETURN TO SENDER
Product: Debt collection

Apartment complex I previously lived at imposed a debt long after I had left. They stated there were damages to the property. There is no proof in receipts of work done or actual damages. I am requesting to have this collection removed and dismissed. This is a tactic by apartment rentals to nickel and dime. I left the apartment in excellent condition.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act this creditor has violated my rights Under 15USC 1681 Section 602 stqtes I have the right to privacy Under 15 U.S.C 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions Under 15 U.S.C 1666B a creditor may not treat a payment on credit card account under an open and credit consumer plan as late for any purpose and I demand that all its listed below be deleted Under 15 U.S.C 1681 section 604 A Section 2 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.

Under 15 U.S. Code 1666b 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. 

I am requesting that the inquiries listed below be removed/deleted immediately from my credit profile : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make the charge or the account. I ask that the account be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete these straightaway : XXXX OF XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Deposit from my paycheck hasnt posted for over three days. When I called they had no timeframe when my paycheck would post. Multiple payments have been returned.