23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern : I have been trying to save my home since XXXX of last year but all I am getting is a run around from SPS. They continue to ask repetitive questions about my income and even deliberately wasted over 3 months until I deposited my daughters contribution income to my bank account. They said it was mandatory otherwise they could not continue with my review. I had filed a previous CFPB complaint and they even advised on there that the process consisted of being showing the income deposited. So they lied to your department about my original complaint. Now they told me all I had to do was fix the non borrower credit auth and submit it with 100 % income contribution. 

They are trying to go back on everything they originally stated. I am beyond scared of losing my home because these people don't care about anyones home! They are just saying whatever they feel is going to comfort me and try to make another excuse. My counselor XXXX XXXX has been following up with them on a weekly basis every since resubmitting my loss mitigation application again for the 5th time. He spoke to XXXX from the management 2 that clearly advised there would be no further documents needed and clarified that we should be hearing a resolution soon. Two days later they ask for more information, information they knew already. They were asking about the deposits on my bank statement that where not from my social security. Those deposits are the ones they advised I needed to make! Today we spoke to XXXX in the management team and all she could say is I'll get back to you, this is the same excuse I have been getting for over a year now! They just don't care and something needs to change!
Product: Debt collection

I received a call from this bottom-feeding debt collection group in which the caller stated he " had some legal papers to deliver to me '' and that I was to be " served '' these papers in person. He then directed me to call XXXX for more information. This company told me that it is preparing to file a lawsuit against me, in violation of the Fair Debt Collection Practices Act. I see from the numerous complaints in your database that this company makes it a habit of pretending they will file legal action in order to try to collect old, time-barred debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Checking or savings account

The bank has refused to allow me to submit a dispute which is my financial right. The refusal comes in the form of lack of action taken through multiple phone call I've talked to numerous representatives without success in resolving the problem. They have refused to let me speak with leadership to get the problem rectified. As of the time I am writing this, the disputes haven't been submitted. And there is no recourse to solve this.
Product: Checking or savings account

I need serious help from CFPB. I need some intervention to get Wells Fargo close my account and send me my funds. 

Wells Fargo has frozen my account since XX/XX/XXXX and they delayed a scheduled closure date of XX/XX/XXXX due to false claims of unauthorized transfers. They informed me that my account is scheduled for closure on XX/XX/XXXX and still they have not closed or initiated refund of my funds. 

I called executive branch and theyre all acting clueless as to when my funds will be released to me. 

Theyre scamming me in broad day light. I need my funds to continue my business. 

Attached is the letter of notification of a schedule closure
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two of the same duplicate accounts reporting on my credit for student loans. One is reporting under XXXX while the other is reporting under XXXX XXXX XXXX XXXX. Mind you I have never attended college in life nor applied for federal student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the below account names and numbers has violated my rights. 

-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 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: Credit reporting or other personal consumer reports

My credit report is showing unauthorized, inaccurate information. I have a late payment being reported from XXXX XXXX account number is XXXX, and according to FCRA 15 USC 1681a 2 ( a ) ( i ) a consumer report does not include any report containing information soley as to transactions or experiences between the consumer and the person making the report. According to the FCRA these laws are stating this account needs to be updated or this account needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM INQUIRING IN REGARDS TO THE XXXX XXXX   ACCOUNT WHICH WAS OPENED ON XX/XX/2012, DISPLAYS A BALANCE OF XXXX DOLLARS AND WITH LATE PAYMENTS OF 30 DAYS. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT, I MANAGED TO BE ABLE TO GET IT REMOVED FROM XXXX AND XXXX   WENT AHEAD AND REPAIRED IT ON THEIR SIDE. EQUIFAX HAS DONE NOTHING ABOUT THIS MATTER AND IT IS REALLY AFFECTING THE OVER-ALL PROGRESS IN WHICH I AM TRYING TO ACHIEVE MY GOALS. EQUIFAX HAS DONE NOTHING ABOUT THIS MATTER AND I REALLY NEED TO KNOW WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY? IT SHOULD'VE BEEN REMOVED A LONG TIME AGO BY THE AGENCY AND I HAVE YET TO RECEIVE A RESPONSE. PLEASE REMOVE THIS ACCOUNT IT IS REALLY HURTING MY CREDIT 'S HEALTH.
Product: Debt collection

Company is trying to collect a debt owned by XXXX XXXX, who used to own this phone number, but no longer does. XXXX XXXX is no relation to me, and I have no idea who she is.
Product: Credit card or prepaid card

I received an email from XXXX XXXX that my XXXX XXXX store card had been approved. I did not apply for an XXXX store card. I also received an email from XXXX that my order for a {$1400.00} XXXX headlight was being processed. I do not own a XXXX. I immediately contacted XXXX, they put a freeze on the card and my account so it can not be used. However, the headlight was from a 3rd party seller and I received an email from them that the headlight had shipped. I live in XXXX, MS this headlight is being shipped to someone in New Jersey. I do not know anyone in New Jersey and I did not apply for that card.
Product: Credit reporting or other personal consumer reports

I created an online Experian account and am able to log in, but the only item I can select in my account produces an error message advising me to call customer support. I want to be able to go online to order a credit report or freeze and unfreeze my account but am unable to do so. 

I have called customer support for help many times, but only get an automated response to use my online account. I am unable to get through to a representative for assistance. 

Being unable to get help online or by phone, I mailed a letter to Experian in XXXX, XXXX  on XX/XX/XXXX requesting them to verify my identity and activate my online account. They responded by advising me to call customer support. 

Next, on XX/XX/XXXX I submitted request # XXXX on Experian 's website. I uploaded a detailed problem description and screenshots of the steps I take online and the resulting error message. Their response did not address any of my concerns and simply said my account was " already frozen. '' In the meantime I have been receiving weekly emails advising me to finish setting up my account, which of course I am unable to do. 

I have tried every means I can think of to get assistance with this matter, but so far have not succeeded. I will appreciate any help you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month they never update the credit report they report two different amounts for each credit bureau and they never report the amount paid by me each month I always pay a extra XXXX bucks they never report that on my credit and the balance says one thing on the app that I make payments on them what they are reporting to the bureaus I owe XXXX and thats not whats being reported to them Ive called and they tell me it will be updated never do it XXXX XXXX Wi,
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX Agency has allowed XXXX Bank to share my social security number and address to XXXX XXXX XXXX for 2 alleged debts one which allegedly occurred on XX/XX/2011 and the other alleged debt on XXXX XXXX, 2011. 

These two alleged debts are without merit, because I never received a request for my alleged debt, therefore no debt validation. letter was ever provided. These alleged two debts are not only inaccurate, they are and never have been validated, they are a defamation of my character, they should be removed from my credit report effective immediately as the way the other credit reporting bureaus have removed these unvalidated alleged debts. This horrendous mark on my credit report especially during this pandemic is preventing me from trying to sustain a solid good credit background. I am requesting effective immediately they be removed. 

File # XXXX Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to the consumer report sent by your company via electronic form through XXXX, XXXX and XXXX. While checking the above report, it came to my notice that your company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ) the term Communication means that conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report { bearing information regarding the alleged debt } by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any consumer reporting agency. 

Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 


Thank you for your cooperation
Product: Debt collection

The Account : Hp Sears, Account Number XXXXXXXX Report Number : XXXX reporting on my credit report as a collections. 

I have no knowledge of this particular account I did not received any letter information or phone call pertaining to this inquiry .The are multiple errors in their information about this account.
Product: Checking or savings account

My account was charged for an automated fee from Affirm fee on XXXX for XXXX. The fee hit the account XXXX times for a total off XXXX and should have occurred only once for the fee due of XXXX. I called Affirm report the issue and they could not reverse the payments. I called again in XXXX informing them that payments were still no adjusted! They knew about the issue and did not make adjustments! 
I called in XXXX XXXX XXXX XXXX  due to no funds available and to replace the issue. They said that the pending payments could not be reversed which according to Banking laws this is not true. I was told this would resolve in a day. On XXXX, I still have no funds available to make purchases, get food, or pay my mortgage. Affirm sent a letter out late on XXXX confirming the problem but said it would take 3-8 days to resolve. XXXX did not issue any credits so that we make use our funds knowing the issue! They knew about the issue because in my call the service representative reported other callers! I called again today XXXX XXXX and they know about the issue but could not and would not issue any credits to update our available balances for spending XXXX XXXX
Product: Debt collection

I sent a certified mail return receipt the company failed to insert a date on the returned receipt and also failed to complete the credit disclosure showing the date the debt was charged off. I asked if the debt was assigned or purchased from a previous creditor and if so how much was paid for the assignment or purchase. I also requested so see the terms of the assignment. To date the collector has failed to provide this information. They have yet to validate the debt according to the FDCPA
Product: Mortgage

Refi my mortgage with a cash out in XX/XX/2020 to pay off a loan that was assessed through my county taxes, which should have reduced my county property tax bill from {$6500.00} to {$4300.00}. XXXX/TMS ( The Money Source ) would not adjust my escrow since they could not verify my information as fact. Fast forward to XX/XX/2020, TMS did not pay my tax bill when it was first available. They claim even though they were collecting escrow to pay my insurance, my account was not set up for escrow to pay my county taxes and therefor my taxes were paid late. Thankfully they paid the penalty. However the XXXX they now issued is showing that over {$8700.00} was issued to the county, essentially paying my tax bill twice and now claiming that I owe them money due to a shortage in my escrow account when in reality they need to recover funds back from the county, issue a credit/refund, and correct my escrow shortage.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This complaint is to address an allegation against a collection agency known as Sequim Asset Solutions. LLC aka XXXX XXXX XXXX, located at known address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX.

VIOLATION : Sequim Asset Solutions, LLC has reported an adverse collection in a different name as XXXX XXXX XXXX at the same address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Therefore, this is a violation of U.S.C. Title 15 807 ( a ) ( b ) ( 14 ). False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.

VIOLATION : This agency is in violation of U.S.C. Title 15 809 ( b ) ( 4 ) and 809 ( 5 ) ( b ) of the fair debt collection practices act that states any collection activities and communication during the 30-day may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address.

VIOLATION : This agency has violated my right to dispute under the 30-day window which I have the right to dispute under Rule of Laws. This agency by reporting adverse information to the credit bureau the account known as XXXX placed for collection on XX/XX/XXXX and updated XX/XX/XXXX.

VIOLATION : I was notified by letter from the collection agency known as Sequim Asset Solution. LLC about their attempt to collect a debt letter date XX/XX/XXXX, XX/XX/XXXX in addition to their attempt to collect their XX/XX/XXXX letter also stated that this matter will not be reported to a credit reporting agency until day validation notice has expired or validation has sent to me VIOLATION : Please note the timeline that this agency reported the account they reported an adverse action to the credit bureaus versus the date on the letter they mailed too me. The timeline of my response was within the 30-day window. Therefore, I was exercising my right in accordance with Fair Debt Collection Practices U.S.C. Title 15 809 ( b ) by responding in writing and mailing them via-certified return receipt.

In addition, I received a letter dated, XX/XX/XXXX from this collector referencing my dispute by sending me a copy of wireless statement new charges of {$57.00} dated XX/XX/XXXXthis statement was from the creditor ( XXXX XXXX XXXX XXXX  ). This account was already closed as of XX/XX/XXXX all terms and conditions were satisfied in accordance with my XXXX XXXX XXXX   contract.

Also, I have exercised my option accordance with the term and conditions of my XXXX XXXX XXXX  Contract to dispute all new charges that have been dated after that account was closed. However, I never received a response from XXXX XXXX XXXX but was sent to collections as per this aforementioned complaint.
Product: Debt collection

A collection appeared on my credit from LVNV Funding LLC on XX/XX/2024 in the amount of {$490.00} pertaining to a residential utility bill opened through " XXXX XXXX XXXX  XXXX. '' I am a full time XXXX XXXX resident and have zero property or affiliation with the state of XXXX. This account was opened fraudulently and is a clear case of identity theft. 

I've contacted LVNV Funding directly and asked them to take the necessary steps to alleviate this fraud however I have not received any additional details on the matter. 

This negative mark has been on my credit since XXXX and is really affecting my life as I am looking to acquire a mortgage. 

Please let me know next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, on my credit report is a clear violation of 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 : States a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following fraudulent information that appears on my credit report. I previously disputed this account with the credit bureaus stating these accounts are fraudulent. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX XXXX  XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX XXXX XXXX  Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$20000.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$4500.00}. 

I am a victim of identity theft and I never opened these accounts Please see the included FTC Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I pulled my report and saw fraudulent inquires on them and need them removed immediately.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have the rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because, According to 15 USC 1681 : I have the rights to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX  XXXX - {$500.00} Closed account XXXX XXXX {$300.00} Closed account XXXX and {$99.00} Closed account account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS : XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX