23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently filed a complaint against my mortgage servicer Wells Fargo, addressing various improprieties and misrepresentations they have engaged in while handling my loan. Wells did respond and gave their version of events relating to the origination, the illegal disbursement of insurance checks, and the failure of Wells Fargo to offer any type of path forward to resolve this matter. In their response letter they emphatically stated that they are " done with me '' that they have already offered me help on multiple occasions, thus they will not even CONSIDER my current financial situation. This is a violation of federal, state and internal protocols. Wells Fargo is obligated to review my CURRENT and CORRECT financial circumstances in order to determine eligibility. They CLAIM in their response that I did not qualify for any programs and that my loan had a negative npv, but they never provided me with a detailed denial letter listing the inputs and values that they used, nor a listing of the programs that I was reviewed for. Based on Wells reputation with consumers and being straightforward I find it hard to believe that the information used to conduct this review or assessment is accurate -- additionally, according to their timeline this review occurred TWO YEARS ago. Things have changed, my financial situation has improved, I have my daughter and son in law living with me and they are working and contributing to all household bills. I have increased my sales and commissions each year from my XXXX XXXX job and Wells does not have any of this information on record. It is disturbing to think that they are going to refuse to even consider my situation at this time because I have been a " difficult '' customer. 

There is precedent to support my contention that this is a predatory mortgage loan. My current interest rate of XXXX % proves that beyond a shadow of a doubt. Wells Fargo and XXXX XXXX claim that they have no responsibility or liability because I " signed the loan docs and did not cancel the loan. '' I beg to differ. I was misled as to the terms of the loan at origination, XXXX is a notoriously shady lender, and I requested the original loan paperwork which would document and prove my claims of malfeasance. Why ca n't they provide a copy of the loan application and the 1003? Instead they try to put it back on me and avoid responsibility. Perhaps the courts will be the ones who decide how this plays out. 

I appreciate the background on the insurance claim checks and Wells version of events. I have disputed these facts for several years but it seems that this is not going to change anything. 
At the end of the day my goal is to get this matter settled and behind me. Please work with me to resolve this matter and offer a plan to put me back into current status on this loan so that I can resume making regular payments.
Product: Checking or savings account

Citibank closed my priority account and sent my account to the fraud prevention department on XXXX XXXX 2022. I want to know why and they are going to try to report me. I don't think that's right when you have your own money go into a account and go get it. There manual says they will charge me XXXX dollars. They never did.
Product: Credit reporting or other personal consumer reports

Over the past four months, I have contacted TransUnion three times with via certified mail and domestic return receipt. My purpose was to submit the necessary documents to verify my proof of address.

However, despite my efforts, I received a response from TransUnion stating that they did not receive the documents I sent for address verification.
Product: Checking or savings account

On XX/XX/year> I went to a Wells Fargo branch in XXXX Florida. I had just received my tax return and the form of a check. The check was issued by XXXX XXXX  XXXX  when I went to Wells Fargo to cash my check I spoke to a representative thereand I tried to cash my check. She did not allow me to cash the check so I went to the ATM to deposit the check and it worked. I was able to withdraw around {$6000.00} with a remaining balance of {$16000.00} A few days after my account was locked and that I will not be able to get the rest of my rightfully earned money so ever since XX/XX/XXXX my money has been locked and I havent been able to access it. Ive spoken to countless representatives for the Wells Fargo company and everyone tells me the same thing that they couldnt verify the check, so I ended up calling XXXX XXXX  on three-way with Wells Fargo to get them to verify the check and they successfully verify it. They put a note on my Wells Fargo account that the check was verified and the money was valid. But still, I havent received my money and no one has followed up with me even though I contacted this company dozens of times receive countless letters but nothing about me getting my rightfully earned money. Ive considered taking legal action because this process isnt right and I feel like Im being taken advantage of because I am an older guy and I felt when I went to the Wells Fargo branch I was profiled, and at this point, Ive been considering talking to Lawyers, to see what legal action I can take because I know Im being taken advantage of and this isnt right
Product: Debt collection

Credit Collections USA LLC, has placed a collection for {$83.00} on my credit report and according to the State of Florida license search they are not permitted to collect in this state. I am requesting that this debt be removed from all the Credit bureaus such as XXXX, XXXX, and XXXX speedily. 
The date that this collection was opened was XX/XX/2017 The Balace is {$83.00} The Reporting debt is {$83.00}
Product: Vehicle loan or lease

7 minutes agoNEW I had went and took a loan out with this branch for how ever much they were able to give me they did good of giving me the amount I needed without a doubt but subsequently they charged me a interest rate of like 13 or 14 which a honorable percentage rate is like 8. Do after that fact of going though this process I had put my car up for collateral, they took it upon themselves to take half of the loan an pay the car off when they could have just given me the money to pay the car off myself cause I was trying to get something else financed at the time. After the fact they kept claiming to send my bank a payoff check for the car I was already financing an kept claiming they sent it which they never did. I kept persisting and kept in contact with my bank personally to see when an if they'd received it and they never did. I waited for at least a few weeks thinking and giving ONE MAIN a chance Issue another check they claimed maybe had gotten lost in the mail or to do the right thing and they just keep telling me XXXX over the phone. I literally had to process a XXXX  charge on my checking account to finalize the whole loan payment before they even sent a actual check out which was like a Couple of days later or I was gon na be two months behind on my car payment which in turn would get my car taken away from me so that ONE MAIN could turn around and have the car for themselves
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Your Company is reporting unverified accounts on my credit profile. By continuing to do so they are in violation of 15 U.S.C. 1681. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy.

I have sent multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) of the accounts they are reporting on my credit report in the form of disputes. Every one of my requests has been ignored. Your company 's continued ignoring of my multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) has and is  hindering my ability to obtain credit. 

My most recent request for proof of verification of the unverified accounts was sent out on the XX/XX/2020.

I also sent out a request for proof of verification of the unverified accounts on the XX/XX/2020 with no deletions or proofs of verifications as required by law.

I am simply requesting that the credit reporting agencies properly verified accounts they are reporting on my credit profile and send me proof of verification or simply delete them, which they have ignored those requests time and time again so I am reaching out to you and asking for your assistance in this situation. 

Thanks in advance.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXXXXXXXXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX XXXX Balance : {$0.00} 2. XXXX XXXX XXXX  XXXX Balance : {$9300.00} XXXX 1. XXXX  XXXX XXXX Balance : {$0.00} 2. XXXX XXXX XXXX XXXX Balance : {$9300.00} TransUnion : 1.  XXXX XXXX XXXX  XXXX Balance : {$9300.00}
Product: Debt collection

RENT RECOVERY SOLUTIONS LLC CONTINUES TO VIOLATE MY CONSUMER RIGHTS PURSUANT TO 15 USC 1692G!!

I have sent Rent Recovery Solutions LLC information directly through Certified Mail which will be my ONLY form of communication. I have asked this company DIRECTLY through certified mail to respond via mail pursuant to 15 USC 1692G, where it clearly states a consumer must notify that a debt is being disputed IN WRITING placing the debt collector on notice that an alleged debt is being disputed. It has been OVER 30days ( which is over the time allotted for a companies response according to federal law ) since I sent this request DIRECTLY to the company following FEDERAL GUIDELINES. Rent Recovery Solutions has NOT responded to my DIRECT form of written contact in abidance and accordance to what Congress has stated the PROPER way to dispute a debt.

I have sent certified mail with a signature requirement ( that WAS signed by this company ) and they continue to violate my right to dispute by not abiding by federal laws in my formal written request, and Rent Recovery Solutions is now trying to tell me how I need to communicate with them via phone, when I am choosing to communicate ONLY by mail.

Rent Recovery Solutions LLC is also continuing to furnish this information to the credit reporting agencies which is also a violation of 15 USC 1692g.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Experian has been reporting XXXX XXXX XXXX XXXXXXXX to my credit report with no signed documentation or public record to validate this reporting. This needs to be removed from my credit report immediately this is false an improper reporting. Also this account is reporting the first month as a charge off then current also incorrect reporting which is illegal.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern Navient is reporting that my students loans are late I 've never received any documents from the company I call them in XX/XX/XXXX and that 's when they sent the first bill but its showing on my credit report I 'm over 100 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXX XXXX 's pre-approval on their website, which clearly states " Checking your rate won't impact your credit score ''. I was given an approval of {$1500.00} at 100 % interest and decided not to move forward. 

On XX/XX/2019 I contacted XXXX phone support ( XXXX ) XXXX to find out how to cancel the Better Cash pre-approval I had received so that I could take out my XXXX XXXX {$500.00}, no credit check loan. 

( XXXX XXXX & XXXX XXXX are apparently the same company and you can't have a pre-approval with XXXX XXXX and get the no-credit check loan with XXXX unless you cancel the pre-approval. ) If they listen to the phone call recording for my account at XXXX Pacific on XX/XX/2019, theyll hear that the representative at no time warned me that by going through the application process to Decline and Cancel the XXXX XXXX loan offer, would I incur a hard credit inquiry. 

She consistently told me to continue clicking through the options, not to bother reading anything ( as it wouldnt apply ) until I got to the option to decline the offer. 

HOWEVER, after clicking through the options, and finally getting to the page that offered the Decline button, I began receiving notices from XXXX XXXX and other similar services I use to monitor my credit, that XXXX XXXX DID IN FACT check my credit report with a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly a charge-off in the amount of {$370.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sent to collections and has been paid. There is no outstanding balance to report and therefore no balance to charge-off. This reporting of an account that already had gone to collections is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This false reporting of a charge-off seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing to dispute an inaccurate charge-off that appears on my credit report. According to 15 U.S.C. 1681i, as part of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate, and the credit reporting agency is required to conduct a reasonable reinvestigation to verify the accuracy of the disputed information.

Here is the relevant section of the law for your reference : 15 U.S.C. 1681i : This law mandates that credit reporting agencies must investigate and correct inaccurate or incomplete information on a consumers credit report within 30 days of receiving a dispute.

In addition, the presence of this incorrect information also violates other consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

This charge-off is inaccurate and is causing significant damage to my credit report and financial standing. Therefore, I kindly request that Equifax conduct an investigation and remove the charge-off from my credit report. 

To support my request, I have attached copies of my identification and proof of address. Once the correction has been made, please send me a copy of my updated credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention and assistance in resolving this matter. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$3200.00}
Product: Debt collection

ERC : Enhanced Recovery is reporting on my credit file, for one, I never got a 30 day right to dispute or any notification, they just put it on my report. Also they are collecting for XXXX whom I do not owe .... I signed up for XXXX awhile back because they promised me they have coverage where I live, which is very very rural. They said I would have service and no roaming fees. So I switch, well my first bill was $ 1100+ because everything was in fact roaming, they do not provide coverage in my area I found out after speaking with a manager. So I do not owe this bill, they are lying to customers and doing bad business. I would pay what my normal bill should have been but I will not pay for extra fees in which I would have never had if I did n't switch over with them promising me I would have coverage. They need to be investigated as they have hundreds of thousands of complaints regarding this
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting

A CAR DEALER DID XXXX INQUIREIES WHEN I WAS JUST LOOKING. XXXX IN XXXX NEW MEXICO THEY BATCHED MY IMFORMATION TO XXXX FINANCIAL INSTITUTIONS WITHOUT MY PERMISSION. ALL I WAS DOING WAS LOOKING AT AUTOS
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate and unverified information from XXXX XXXX XXXX, who has never send me my written contract bearing my signature, in addition, have placed numerous lates on my consumer file even through i was in forbearance and deferment. Currently, I have a submitted a borrower 's defense case against them, I attended XXXX University. It has been over 6 months dealing with XXXX and XXXX. XXXX deleted this account because it could not be verified. XXXX and XXXX took off this account off my credit report and illegally put it back on!!! 
Capital One has said it will remove my account due to identity theft which was file with the ftc, case number XXXX. Il XXXX XXXX XXXX and XXXX XXXX has not verified in writing. XXXX XXXX which is reporting capital one which is including in my ftc identity report file case number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reported information on my credit inaccurate for 11 months saying I have missed or late payments.. I have attached a letter, Bank Statements, Passport and bill. To prove I have never been late. This has caused me over XXXX in damages to my credit and I have been denied qualifying for a mortgage and denied jobs. 

The XXXX XXXX on the Coronavirus Crisis is investigating reports that the three nationwide consumer reporting agencies ( NCRAs ) XXXX, Experian, and XXXX became less responsive to consumer complaints and disputes regarding errors in consumer credit reports during the coronavirus crisis. Information obtained by the XXXX XXXX indicates that there are longstanding problems with the practices employed by the NCRAs in responding to consumers who challenge credit reporting errors. These data also raise concerns about whether the NCRAs are fulfilling all of their obligations to consumers and to the Consumer Financial Protection Bureau ( CFPB ) under the Fair Credit Reporting Act ( FCRA ). 
Accordingly, I write to share this new evidence and request that CFPB use its supervisory authority to further investigate and address these important issues.
Product: Credit reporting or other personal consumer reports

I'm reaching out today to report that I've been a victim of identity theft. Please consider this letter as a formal dispute concerning the following accounts. I've already reached out directly to all the involved companies and followed the prescribed steps to address this issue. I've also filed an identity theft report with the FTC and have disputed the information with each company. I kindly request your assistance in resolving this matter. XXXX XXXX  XXXX.