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

I have been a victim of identity theft and there is a fraudulent in that was opened in my name due to fraud. The credit bureaus are still reporting fraudulently information on my credit filed.
Product: Debt collection

XXXX XXXX XXXX XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXX, XXXX  XXXX Account # XXXX ( SS # ) To Whom It May Concern, I hope this message finds you well. I am writing in response to a recent debt collection letter from your office regarding a debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

To Clarify this matter, please provide the following : Creditor Information : The name and address of both the original creditor and the current creditor.

Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt. 
Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

Proof of Securitization : Evidence that this debt was secured by the original creditor, as stipulated in the Truth in Lending Act ( TILA ).

Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers. 

Until you have provided the requested validation, I respectfully request that you cease all collection activities related to this account. If you can not provide sufficient validation, I expect the account to be removed from your records. 

Additionally, please refrain from accessing my credit report or reporting this disputed debt to any credit bureaus. If this alleged debt has already been reported, I request that my dispute is clearly noted in the report. 

Permissible Purpose : Please clarify the permissible purpose under which you accessed my credit information, as I dispute the validity of this claim. 

If you choose to transfer or sell this account to another agency, please inform them of any dispute regarding this alleged debt. 

Thank you for your attention in this matter. I look forward to your prompt response to resolve this issue amicably Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For both my wife and my Closed XXXX equifax credit reporting showing last payment on that closed account on XXXX which is incorrect.
Product: Mortgage

I KEEP RECEIVING MAIL FROM FHA BENEFITS, THIS LETTER IS NONSTOP ON MY MAILBOX ABOUT AVAILABLE FUNDS REPORT. I WANT TO BE REMOVED FROM THIS.
Product: Mortgage

I purchased a new home in XX/XX/2018 and my loan was for XXXX at closing. 
I sent in a payment in XX/XX/2018 for XXXX to apply to my principal on my loan. my balance was XXXX and my loan was purchased by Loancare. My first statement reflected this. now my balance shows XXXX. On one can tell me where my momey went. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate repossession on my reports that I have been disputing for some time now. 

I have contacted them numerous time requesting all documents and information pertains to this debt. I sent them debt validation requests on XX/XX/2021 and XX/XX/2021. It has been well over 30 days and still no response. 

Furthermore, they re reporting inconsistently and verify invalid information between the credit bureaus. How are they able to verify inaccurate information and not respond to my disputes? If they have not replied to me I know they have not sent any valid proof to the credit bureaus concerning this debt. 

It is the consumer reporting agencies responsibility to acknowledge and respond to any and all dispute request and XXXX XXXX is in violation of my right to dispute. I am demanding that this account is deleted from my reports and all documents concerning this account is mailed to my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX VA account number. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$6600.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

According to the FERPA sharing information without consent is a violation to that law. Student loans are reporting to my credit report a is having a negative impact on it
Product: Checking or savings account

On XX/XX/2021 I made a payment to XXXX using my debit card. My bank is Regions. When I made the payment in the amount of XXXX to XXXX I received a text notification with payment completion. In my regions account it was also showing pending. 

2 days ago that transaction is not showing in my checking account. So it looks like I never made that payment. 

For XXXX  it shows the payment went thru using my card. ( I did receive a payment confirmation from the bank ). 

My complaint is that Regions is delaying the transactions so you can forget about the payment and then when you dont have enough money in your account they post the payment a couple of days later. Thats when the over draft charge comes along. 

I have sent 2 emails asking Regions why is my payment not deducted from my account and why is it no showing. No one has replied. So no I am making the complaint so you can investigate. This must be something that Regions is doing to collect the over draft fees by delaying the transactions a couple of days even if it showed pending and even if the payment went thru.
Product: Credit reporting

I have a bad connection for my account all my family member, I have called XXXX several time and saying they have a problem on the net work will resolved it, also said they have an extension due to a lot of customer using their net work, then I went on vacation while I request them to put all the XXXX lines on my account on seasonal hold but with out success and keep charging the full charge without using their line. and finally I decided to discount the line and I am calming a refund for the three months they charge {$310.00}, {$460.00} and {$320.00} for the months XXXX/XXXX/2014 till XXXX XXXX2014 and when ever I dispute with the collection agencies no response. and I surprise this issue went to my credit report, therefore I totally dispute the issue and request XXXX to refund my money I have n't used their service during the period above and I deport my line and my family lines due to their net work problem. thanks and best regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent them a letter and a report requesting that an account be deleted that was reporting false information. On XX/XX/2020 they sent me a letter requesting information to verify who I was. In return, I sent them my drivers license and social security number with my correct street address on it verify my identity. 

As of today, they have not removed the account or sent me an updated credit report as requested. I have tried several times to call them and cant get through the line because their system want verify my identify. I have tried getting credit monitoring services to help obtain my credit reports but they were unsuccessful and could not retrieve my information due to identify issues as well.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and I am having problems with XXXX, XXXX and Equifax giving me any type of response regarding such collections on my credit file, I am trying to move forwards in life and I must say they have made it quite difficult for me, can someone assist? Please look at the accounts listed below Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX Chapter XXXX bankruptcy discharged Date  FiledXXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX A XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,   XXXX   I sent a certified letter to Transunion regarding unverified negative items being reported on my credit report. I specified that I was requesting TransUnion to comply with the federal law and send me the original signed documentation/contracts showing my signature on these negative items that they are verifiying on my report After Transunion 's " investigation '' the negative items came back as being verified with no documentation with my signature that is required by the FCRA. I have spoken with numerous reps at TransUnion regarding these negative items and have yet to get this resolved. TransUnion has told me that their " verification '' consists of sending an electronic message to the courthouse or company through  XXXX . Once the court or company " verifies '' it, the information is sent back to the credit bureaus. I contacted the court and they advised me they DO NOT disclose, release, or verify any information with the credit bureaus or an y 3rd parties. I decided to call TransUnion back, spoke with another rep this time and they advised me  that the information is verified by a runner that goes to the courthouse to " verify. '' I asked what information does the runner give to the courthouse and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that so I spoke with a  manager that stated that since this was a reinvestigation, no runner was involved. The manager  advised me that TransUnion uses a " form '' that they send to the courthouse. I asked what type of " form '' and where is it sent because the courts confirmed with me that they DO NOT verify with the credit bureaus. TransUnion refuses to give me physical documentation ( whether tangible or electronic ) that they use to verify these items on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey on XXXX XXXX XXXX I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX continues is a collection company that has continuously kept this on my credit report. I left the school who used deceptive tactics to recruit and promise an education when in fact they were for-profit using unqualified teachers/professors per article from XX/XX/2007, " the New York State Education Department reported deficiencies at the XXXX XXXX New York campus. The problems related to faculty qualifications and remedial course offerings. New enrollment was limited and the Education Department stated it would close the college if improvements were not made. '' Improvements were not rectified. I am disputing the loan with the Board of Education and was advised the process takes time.

The credit agency is threatening and is posting on my credit report when it should be removed after some years. They refuse to do so and are holding my credit report " hostage '' for payment threatening they will remove negative reporting only if I pay them. They are menacing and unethical practices are causing frustration, time, and unable to move forward. This has been harassment non-stop.
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX, my XXXXXXXX XXXX was compromised, leading to unauthorized access to my personal information. Since then, the fraudster has made multiple attempts to apply for credit cards and loans using my details, including my date of birth, Social Security number, and addresses. I recently reviewed my credit report and found numerous unauthorized inquiries from various banking institutions in XXXX and XXXX. Additionally, I have had fraudulent charges on my credit card, and the fraudster has applied for subscriptions that I did not obtain. The merchant is now attempting to collect through a collection agency. I did not apply for these credit cards, loans, or subscriptions, nor did I authorize these institutions or merchants to access my credit report or personal information.
Product: Debt collection

This collection account was placed on my credit however, I've never applied for credit with this company as they stated it was within the last year. I was just informed via XXXX XXXX of this change to my credit account
Product: Vehicle loan or lease

American financial went out of business. They sent my information to a debt collector call Westlake portfolio management, which is a breach of my contract with American finance.
Product: Mortgage

I own a condominium in XXXX, Florida. 
I have a mortgage with Mr. Cooper, loan XXXX. 
I have to maintain flood insurance. The condominium complex, XXXX XXXX XXXX maintains and updates insurance every year. 
Recently, Mr. Cooper requested a copy of the updated flood insurance. 
I submitted documents via email XXXX times. I also had the insurance company directly submit requested information. 

I called Mr. Cooper literally over XXXX XXXX times and was never able to connect with a human representative. Mr. Cooper makes it impossible for a customer reach out to a human agent. 

My insurance agent also attempted to connect with a human representative at Mr. Cooper unsuccessfully. 

This is not the first time I have had difficulty

with Mr. Cooper. I suspect this type of business practice is unethical and may not be legal.
Product: Credit reporting

lost my daughter 's social security card along with mine on XXXX. filed police report. just would like to know my daughters identity has n't been stolen or misused
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to the credit bureaus. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Credit reporting

Point of Contact is XXXX XXXX with Equifax. Her email is XXXXXXXXXXXX. I have the issue of XXXX and Georgia power reporting on my credit file. XXXX companies never received the dispute notification even though Equifax claims to have placed my request for a dispute. However, XXXX XXXX with XXXX said even though they did not receive the dispute he will manually delete the item from Equifax and he gave me an XXXX number of XXXX. Yes, the item according to Equifax will not be removed because Equifax claims it to be verified in which RPM states they never received any dispute and never confirmed this account with Equifax. XXXX account is the result of Identity theft and I have on numerous occasion notified Equifax. Equifax claims this account is verified from the last dispute completed XXXX XXXX, XXXX under confirmation number XXXX. However, when I call XXXX they too claim they never received any notices of disputes and further stated that the last time they reported this account was back years ago in XXXX which matched the credit file. However, Equifax will not remove this item even after thirty days has gone by. 

Furthermore, there are several accounts on my credit file that are the result of identity theft which include : XXXX XXXX with account number XXXX ; XXXX CU with account XXXX XXXX and XXXX with account XXXX. 

In addition, I requested a consumer statement be added to my credit report with Equifax that reads : " I have notified Equifax on numerous occasions of accounts reporting on my credit file as a result of Identity theft with no resolve. Equifax has chosen not to block these items from my credit file with no specific explanation as to why and with no written communication. Further, several accounts on my credit file such as XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are the result of Identity theft and I have not received any goods or services from these companies. The identity theft is believed to have occurred during the XXXX XXXX patient data compromise and the XXXX compromise in which my personal identifiers while serving in the XXXX are believe to have been compromised ''. 

With the above consumer statement, I do not want assistance from Equifax in modifying or editing the statement or any other assistance, I just want them to add my statement exactly how I wrote it. I want the statement from my words only. Equifax claims they will modify this statement against my wishes. 

The disputes under confirmation number XXXX were not processed properly in accordance with the FCRA and therefore these items under this dispute with completion date XXXX/XXXX/XXXX should be deleted. 

I have requested the method of dispute in writing for the dispute under confirmation number XXXX, however, Equifax will not send me information pertaining to the method of dispute used even though I have the right to know under the FCRA.
Product: Credit reporting or other personal consumer reports

Formal Complaint Request for Debt Verification and Dispute Resolution Complaint Reference : XXXX XXXX, CFPB Case # XXXX Account Number : XXXX Original Creditor : XXXX Bank XXXX XXXX : XXXX XXXX XXXX Servicer : XXXX XXXX XXXX L.P. To Whom It May Concern, I am filing a formal complaint regarding the failure of XXXX XXXX XXXX XXXX XXXXo properly verify a debt on my credit report and provide adequate documentation to support the claim made by XXXX XXXX XXXX , the current owner of the debt. Despite multiple attempts to resolve this issue and previous requests for debt verification, I have not received any documentation that meets the legal requirements outlined by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Here are the specific details of my complaint : XXXX. Inaccurate Debt Reporting : The debt in question, account number XXXX, is reported as originating from XXXXXXXX XXXX, charged off on XX/XX/year>, and currently owned by XXXX XXXX XXXX. However, I have repeatedly requested verification of this debt, including the original signed contract, a XXXX XXXX XXXX confirming the debts transfer, and proof that XXXX XXXX XXXX XXXX is authorized to collect on the debt. Despite several requests, I have not received any of this documentation. XXXX. Failure to Provide Documentation : In response to my requests, XXXX XXXX XXXX XXXX has only provided a general account summary and balance, with no proof or legal documentation validating the debt. This failure to provide proper verification is a violation of 15 U.S.C. 1692 ( g ) of the FDCPA, which requires that debt collectors provide a complete validation of the debt upon request. 3. Violation of Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to ensure that any information reported is accurate and verifiable. As XXXX has failed to validate this debt, the information remains inaccurate and should be removed from my credit report. Additionally, XXXX XXXX XXXX has failed to provide the necessary documentation to establish their legal right to collect and report this debt. 4. Request for Immediate Removal of Debt : Given that no proof of this debt has been provided and the information continues to be reported inaccurately, I am requesting that this alleged debt be immediately removed from my credit report and from any other credit reporting agencys records. I have already sent a formal letter to XXXX XXXX XXXX XXXX outlining these concerns, but as of today, no satisfactory response has been received. I am requesting that the CFPB intervene in this matter to ensure that my rights are protected under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I kindly ask that you assist in resolving this matter, ensuring that XXXX XXXX XXXX XXXX provides the required documentation or removes the inaccurate information from my credit report. Thank you for your attention to this matter. I look forward to your assistance. 

Sincerely, XXXX XXXX
Product: Mortgage

The Wells Fargo website ( https : //www.wellsfargo.com/mortgage/tools/faqs ) indicates that in order to lock an interest rate on a mortgage application the following is needed : " You can lock anytime you locate a property, or start your refinancing process, up until ten business days before the closing. 
You can select a specific length of time for your lock, usually 60 days. '' I emailed my processor on XXXX/XXXX/2016 ( Thursday ) and expressed interest in locking my rate since I already located the property I wanted to purchase. ( My processor had told both my husband and I that he can be reached by phone or email. ) I got a response from him on XXXX/XXXX/2016 ( Monday ) that I would need to provide the purchase agreement and sign the Intent to Proceed notice in order to be able to lock my rate. The reason I feel this is not fair is because had I known that those two pieces of information were required from me I would 've had that sent over on Thursday ( XXXX/XXXX/2016 ). I think it 's wrong to have two different conflicting pieces of information communicated to me as a customer. If Wells Fargo truly requires the purchase agreement and the Intent to Proceed disclosure in order to lock a rate then that needs to be explicit on the Wells Fargo FAQ page instead of the " anytime you locate a property '' response that is currently on there. This is deceptive to have this type of language out there. The website response is costing me thousands of dollars on my loan because I was at a 3.5 % when I emailed my processor and by the time I got a response the rates had spiked to 4.1 %. I feel that due to Wells Fargo 's negligence I am owed the 3.5 % interest rate on my mortgage loan since the information I had read on the website was not accurate. Also, if this happened to me, it can happen to many other customers so I think they should fix this or have the process updated to truly be when a property is located.