23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I submitted requests in XXXX and XXXX to you. Tried to get a mortgage modification for 4 years with multiple promises from Wells Fargo and the approved amount was reduced {$20.00} off my {$1800.00} payment. Working with XXXX XXXX ( XXXX and XXXX XXXX from XXXX ) WF agreed to {$25.00} payments per month for 6 months then would review for permanent modification as long as payments were on time. Several months later they returned the funds advising they could not accept a partial payment and I had to pay $ XXXX in order to save my house. Both mortgage counseling firms couldnt believe it. I have not heard back from your department or Wells Fargo. Just saw this in the news and wondering why I was not included : Some mortgage loan borrowers were unfairly turned down when they requested modifications to their loan to avoid foreclosure. They also may have been charged incorrect fees and other costs And from XXXX through XXXX, the bank made errors in mortgage modification applications, the CFPB said. XXXX XXXX XXXXXXXX The family size and income are from when I was applying for the modification.
Product: Credit card or prepaid card

TD Bank has reported a late payment made on a credit card which is incorrect I requested to close the account and I was advised the account would be close immediately. This was false and I was still being billed for an active account I called multiple times to close the account in which TD bank has issued credits for late payment charges due to their error. Once he account was finally closed they reported me for making late payments  on an account that was n't closed due to their service issues. TD bank has acknowledged this information as incorrect and has filed a dispute to fix the error but due to multiple managers involved the dispute was submitted with incorrect information and the dispute was denied. I have been dealing with resolving this issue for over a year and my credit has been impacted negatively because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian also have 3 inquiries that need to be removed. I have never authorized it nor did the creditor have permissible purpose. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. With that being said I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX XXXX inquired on XXXX XXXX, US SM BUS ADMIN ODA inquired on XXXX XXXX and US SM BUS ADMIN ODA inquired on XXXX XXXX to determine who requested this credit inquiry. 
If you find I was not the one who authorized this inquiry, I ask that it be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed to my mailing address XXXX XXXX XXXX XXXX XXXX, La XXXX If you find that I am in error, then please send me proof of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received in the mail from Equifax a letter with two addresses for me. Both were incorrect. One address I never lived at and the other had an apartment number associated with it ( I live in a single home ). I contacted Equifax via email and was instructed to call during business hours. The first agent was very difficult to understand as English was a second language. After an hour of proving who I was, the agent would not accept my correction for my address. The agent 's requirement was to provide several forms of proof in documented format faxed to them. I could not understand all of the requirements because of the agent 's English. I requested to speak to the supervisor and verbally we agreed to update my address. I do not have proof that it was completed.

I am dismayed that the only two addresses that Equifax had proposed to me were both incorrect. I can not imagine what other information is incorrect in my report. I currently have a credit freeze on my credit report because my account information was part of the Equifax data breech.

I hope others do not experience the same level of misinformation and reluctance to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  acount # XXXX, has violated my rights. 

15 USC 1681 section 602 states that i have a right to privacy 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose
Product: Debt collection

The representative was using insults, deceptive and immoral tactics, and threatening to sue if I did not pay immediately or the amount that she demanded me to pay. I received phone calls twice a day for a few weeks at odd hours until I called back. While asking for an explanation or proof of debt, she began to become enraged and agitated by this. At which point she prepared a statement on my behalf that I said I was refusing to pay this debt to the attorneys so the lawsuit could move forward and I would be sued for not agreeing to pay the amount she wanted on the spot. I called back to speak with her supervisor and was forwarded to his voicemail with no call back. Not only are these practices illegal, it is disgusting that a law firm would be so unprofessional.
Product: Debt collection

XXXX  from national credit adjusters contact my employer and asking for my managers name.I spoke to a gentlemen name   XXXX   at national credit adjusters acct number  XXXX . I did tell them they can not contact me at work and i had already told them before. Still they did call me to my employer. as i was speaking to  XXXX  i did explain to him what i knew about not been contact at my employer. he then said i was uninformed and they could contact my employer anytime. i said i was hanging up and i would take care of the matter in a later time when i could and not to contact me again unless is by paper.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been incarcerated since XX/XX/2012, and now I'm looking into my credit, I discovered unknown accounts to my knowledge and I'm requesting that these accounts be removed from my report, XXXX {$180.00}, {$370.00}, XXXX XXXX {$400.00}, {$110.00}, XXXX XXXX XXXX {$1.00} XXXX, XXXX XXXX {$1300.00}, XXXX XXXX XXXX {$83.00}, {$150.00}, XXXX XXXX XXXX {$610.00}, XXXX XXXX XXXX {$150.00}, {$41.00}, {$40.00}, {$20.00}, XXXX {$610.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX {$0.00}, XXXX/ XXXX {$610.00}, I would appreciate if these accounts was removed immediately.
Product: Credit reporting or other personal consumer reports

I am filing to formally dispute and request an investigation into an inaccurate collection account reported by Equifax on my credit report. The account details are as follows : XXXX XXXX XXXX Balance Owed : {$1100.00}
Product: Debt collection

I don't recall having a contractual relationship with this collection company AmSher Collection Services Inc. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) is not the original creditor and never did business with them. 

XXXX  has reported account to all credit bureaus without properly validating the debt. XXXX  did not provide me with information on how the debt was obtained and the balance is not accurate since I believe I had credit protection on my account. 

XXXX  violated my right as a consumer and should not have reported this account as delinquent and in collections.
Product: Credit reporting or other personal consumer reports

Subject : Second Request for Credit Information Correction - Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated [ XX/XX/XXXX ], in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my mortgage account [ XXXX XXXXXXXX XXXX ACCOUNT NUMBER XXXX ]. To date, I have not received confirmation of the correction nor observed any changes in my credit report. And also the lack of response to a letter that was sent to creditor the account, which was not answered. 

In my credit report I can see that in : [ XXXX / XXXX ] [ XXXX/ XXXX ] it reflects that I had late payments of ( 60 ) days which is not true, in the same way I refer to the month of [ XXXX XXXX ] in no way I had a late payment of ( 180 ) days. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney 's fees, and possible punitive damages, for failure to comply with the Act 's requirements. 

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA. 

I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : [ 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  the following accounts -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have Violated my rights! !!!

- 15 USC 1681 Section 602 A. States I have the right to privacy.

- 15 USC 1681 Section 604 A section 2 ..... It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CBE GROUP. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

CBE GROUP XXXX Balance {$1700.00} ; CBE GROUP XXXX Balance {$1800.00} ; CBE GROUP XXXX Balance {$1500.00}
Product: Credit reporting or other personal consumer reports

Please see attached : 1. Charges on my account were fraudulent confirmed by citi 2. why citi issued me 1099-C {$2800.00} which considered as debt discharged under CREDIT CARD LOAN? 

WHERE IS THE LOGIC?! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the XXXX XXXX  and a XXXX XXXX Report # XXXX was pulled on XX/XX/XXXX. On this report was an account with creditor : XXXX XXXX XXXX with a balance of {$7600.00}. Open date of account was XX/XX/XXXX. I have never applied for credit of any sort with this organization. I called to have this disputed on several occasions and was told that it was because i had a loan with XXXX XXXX. 
I had a loan from XXXX XXXX for {$7800.00}. This loan was placed into a debt consolidation program with XXXX XXXX XXXX and was later settled with a collection agency : XXXX XXXX XXXX in the sum of {$4700.00}. I have attached all documents received to support my claim that this outstanding balance is null.
Product: Debt collection

I am filing a complaint about a debt our company knows nothing about, TRANSWORLD SYSTEMS INC ACCOUNT XXXX. I am requesting a cease and desist of TRANSWORLD SYSTEM INCXXXX all communication until we receive documentation over the unknown debt with XXXX XXXX XXXX. I have never entered into a contract with either company. According to the FTC site, the parent company and owner are under permanent injunction. And it also appears Transworld operated under a different parent company in 2013 and was permanently injunction from operations regarding debt collections. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt TRANSWORLD purport I owe. PLEASE produce a signed contract or signature legally binding me to contract for business with either of these two companies. ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX equifax cause someone use my social security number it was some inquiries I sent in the information they ask for XXXX they still didn't remove the items from my report
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history withXXXX 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 my account 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 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: Debt collection

Creditor : PLAZA SERVICES Collection amount : {$7600.00} I noticed that the Debt in the amount of {$7600.00} has not been reported to XXXX but is reported to XXXX deeming this Information to not be 100 % accurate, inconsistent, and is not reported to all bureaus. The Fair credit reporting act states that all information reported to credit bureaus has to be 100 % accurate. If this debt is accurate why is it not being reported to all XXXX credit bureaus?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquires on my credit report I would like to be removed. There has been hard Inquiries made in violation of federal law. Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report can not be containing information solely as to transactions or experiences between the consumer and the person making the report. As a consumer and pursuant to 15 USC 1681 ( a ) ( 4 ), you are to respect my right to privacy and XXXX, Equifax and XXXX has violated my right by allowing these transactions to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2018 I SUBMITTED A SECURITY FREEZE WITH LEXISNEXIS AND I HAVE COPIES OF THE SECURITY FREEZE CONFIRMATION SO SHOW,, SO I DONT KNOW WHY LEXIS NEXIS IS SHARING MY INFORMATION WHEN I HAVE PLACED A FREEZE UNDER MY SSN,,, THEY SHOUDNT BE GIVING OUT ANY INFORMATION ABOUT ME TO NO ONE,, SO WHY IS IT THAT THE 3 CREDIT BUREARS STATING THEY GETTIN INFOMRATION FROM  LEXISNEXIS,,, I ASKED FOR YALL TO FREEZE ON MY FILE,, BUT YET U ARE GIVING XXXX,, XXXX AND XXXX ABOUT ME UNDER MY SSN,,,, I WILL BE FILING A SAMLL CLAIMS
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX I am reporting a fraudulent account found in my credit report
Product: Debt collection

On XX/XX/2023 I received 7 phone calls. From a debt collector informing me of a debt that they obtained. I then asked him to send me the original debt in the mail and we can go from there. The woman whom I spoke with who never told me her name said what is that going to do if I send it to you in the mail. Then she began to say how they're going to sue me. And then she hung up. On XX/XX/2023. I received this letter dated for the 7th with the due date of the XXXX of XXXX. With only the amount I owed and their company name on it. Stating pre- legal actions. So I called the number on the phone which is a different number from which they were calling me from the first time. They put me on hold for a long time and then said all the person handling your cases of the unavailable but how can I take a payment. Identifying them that I would like the original documents mailed to me as I stated once before and then they hung up. I never received anything in the mail or phone call until this month didn't even know they obtained the debt that they say I owe
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

-Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 

This Personal Information I am disputing by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. is inaccurate or incomplete because 15 U.S.C 1681 section 602 A States I have the right to privacy. But also states that whatever is not 100 % accurate should be removed. I am requesting that the item be deleted and changed to accurate Information.

Enclosed Is a copy of my State ID supporting my position. Please reinvestigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I have used USBank for ten years without much issue. USBank had enrolled me into an overdraft protection program which I never authorized. In XX/XX/2021, I was out traveling and forgot to put money in my checking account and my balance hit negative. I was unaware and kept using my debit card for small transactions like coffee. The majority of these transactions are below {$10.00} dollars. Instead of declining these charges, USBank charged me a series of Overdraft fees, each of them {$36.00} dollars. In the end, the total overdraft fees ended up being {$360.00} for over a couple of days. They waived 3 of them, bringing my loss down to {$250.00}. I complained to them that since I never signed up for overdraft protection so they should have just declined the transactions ( so I can use another card ) and not charged me these overdraft fees, to no avail. Talking to their customer service, they never offered an option to opt out of their overdraft " protection '' program. They offered some even more predatory protection options which I declined. I opened a complaint with CFPB to resolve this issue. US Bank sent back a PDF to show that I indeed never signed up for an overdraft program but did not refund the overdraft fees. 

According to https : //www.occ.treas.govXXXX Financial institutions may assess fees for paying ATM or one-time debit card transactions pursuant to an overdraft protection program if the following conditions are met : The institution provides the consumer with a written notice ( or electronic notice, if the consumer agrees ), segregated from all other information, describing the overdraft protection program ; The institution provides a reasonable opportunity for the consumer to affirmatively consent, or opt in, to the program for ATM and one-time debit card transactions ; The consumer affirmatively consents, or opts in, to the payment of ATM and one-time debit card transactions ; 5 and The institution provides written confirmation ( or electronic confirmation, if the consumer agrees ) of the consumer 's consent and includes a statement informing the consumer of the right to revoke such consent. 

US Bank has not provided with a written or electronic notice describing the overdraft protection program. It did not provide a reasonable opportunity for me to affirmatively consent or opt-in to the program. I have never affirmatively consented to enroll in their program. 

Thus by forcing me to enroll in such overdraft protection program, I believe US Bank have failed to comply with Federal Trade Commission Act ( FTC Act ) standards.
Product: Mortgage

I have been contacted by several financial institutions offering to refinance my mortgage. The representatives told me that they got my information from XXXX XXXX. I did not submit any application for refinancing anywhere. I think that XXXX XXXX gave my personal info to all the financial institutions offing refinancing, because I am being bombarded with e-mail from XXXX, Quicken Loans etc. I want them to stop contacting me and XXXX XXXX to remove my personal information from their scummy database. I did not give them permission to check my credit score or any other information that they seem to get somewhere on line and distributed without my consent to other financial information. I want XXXX XXXX to remove my personal information from their website immediately!