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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXXXXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details XXXX  % paid off Balance {$46000.00} Balance updated XXXX XXXX, XXXX Original balance {$45000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX XXXX Loan Payment summary XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$45000.00} written off. {$46000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$46000.00} Original balance {$45000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms 258 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Mortgage

In XXXX of 2021 I contacted Wells Fargo as I was on payment suspension due to covid. I explained that I would like to restart making payments and apply for the FHA no interest to be added to the end of my loan. I was informed that the amount I owed was more than the FHA was willing to do ( around XXXX ). I was told that if I made a payment of aprox. {$4000.00}, I would be under that threshold and I would be able to do the FHA loan. I made the payment and called back to Wells Fargo to start the FHA loan process. I was told that it was being processed and I would hear from someone soon about how the process would work ( paperwork, etc ). Today, I received a loan modification via XXXX with a whole new 30 year note? This is NOT what I asked for, was ever told that I was getting, nor is something that I would EVER agree to. Every time I call them it's as if they have no clue what they are doing. At this point I just feel that they are trying to take advantage of the situation to benefit themselves. If I had not read this agreement closely I could have started a whole new 30 year loan after I've already been paying for over 21 years. All I'm trying to is make things right with Wells Fargo and they have made it extremely difficult to do. I do not believe Wells Fargo is following the CARES ACT and are looking for opportunities to take advantage of it's customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected from my file right away 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
Product: Mortgage

My wife and I mortgaged a home in XXXX or XXXX 2015 with PrimeLending A PlainsCapital Company. When we signed the mortgage we understood that " ALL '' escrowitems would be paid for in our house payments. On XXXX/XXXX/15 I received a letter from Prime stating that I owed an additional {$2000.00}!!!! I called Prime ( XXXX ) and spoke with XXXX XXXX. XXXX told me that Plains did not make the payment high enough to cover all escrow items. 
This is preposterous, Prime was negligent in not reviewing my account in a timely manner! 
XXXX told me that at least XXXX item in escrow account was unknown to Prime until review. 
I believe that Prime needs to be punished for what they did and prevented from doing so again in the future. 

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Product: Debt collection

I urgently request that you remove the unauthorized inquiries from my credit report, as they were not made by me and are causing me considerable distress.
Product: Credit reporting or other personal consumer reports

I called and have sent letters to Equifax due to noticing unauthorized inquires on my credit report and that maybe someone applied for something in my name and FRCA requires all unverified and unauthorized items must be removed from my credit report, but no one is assisting in getting this done. I am being told that I need to contact the original credit bureau and I have assured Equifax each time that I have but they give me no other options and tells me there is nothing they can do. This is very frustrating, and it does not comply with Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late pavments on an account Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
XXXXXXXX XXXX XXXXXXXX : # XXXX .15 U.S. Code 1681a - Definitions ; rules of construction Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; late payments are transactions & experiences. 

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

Dear Sir/Madam, I am writing to dispute certain late payments listed on my consumer report, as obtained on XX/XX/XXXX. Upon reviewing the report, I have identified discrepancies in the information furnished by your agency. It has come to my attention that there are potential violations of federal consumer protection laws in the handling of my credit information. 
I would like to draw your attention to pertinent consumer laws established to safeguard individuals like myself in credit transactions. 
Under 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under any circumstances. Additionally, according to 15 USC 16819 ( B ), consent from the consumer is required before furnishing information on their behalf. To date, I have not granted such authorization to Grid.

Your failure to adhere to these regulations not only jeopardizes my financial standing but also undermines the integrity of my consumer report. This letter serves as a formal request to rectify the inaccuracies present in the following listings on my report : 1. Name of Account : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that you promptly investigate and update the aforementioned entries to reflect accurate information, as required by the Fair Credit Reporting Act ( FCRA ). Any information provided must be thoroughly verified, and any erroneous data must be expeditiously removed. 
Please provide me with documentation regarding the resolution of my dispute and furnish an updated consumer report reflecting the amendments made. I remind you that this is my initial attempt at resolving this matter amicably and in accordance with legal protocol. 
Kindly address this matter with utmost urgency to prevent any further harm to my creditworthiness. I anticipate your prompt response and cooperation in resolving this dispute. 
Best regards, XXXX, XXXX Without Prejudice All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request the immediate blocking of certain information on my credit report, specifically related to a fraudulent XXXX Bank account that was opened in my name without my consent. I am not submitting this request as a dispute but rather as a demand for action in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B.

Under Section 605B of the FCRA, I have the right to request that a consumer reporting agency, such as Equifax, block information from my credit file that is a result of identity theft. I am providing the necessary documentation to facilitate this process and kindly ask that you take the appropriate steps to promptly block the fraudulent information from my credit report. The FCRA also stipulates that this process should be completed within four business days of receiving all required documentation.

Enclosed with this letter are the following documents : 1. A copy of the original police report detailing the identity theft incident, with reference number [ XXXX ]. 
XXXX. A completed identity theft affidavit, as required by the Federal Trade Commission ( FTC ). 
XXXX. Drivers license, as per Equifax 's requirements. 
I understand the importance of your role in safeguarding the accuracy and integrity of credit information, and I trust that you will handle this matter with the urgency it deserves. This request is not intended as a dispute, but rather as a formal demand for the block of fraudulent account information resulting from identity theft. 
Please confirm in writing when the requested block has been successfully implemented. Additionally, I request that you provide me with a copy of my updated credit report reflecting the removal of the fraudulent XXXX XXXX  account information. 
I appreciate your prompt attention to this matter and expect that Equifax will fully adhere to the guidelines and timeframes specified in the FCRA. If you require any additional information or documentation, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Debt collection

MIDLAND FUNDING ACCOUNT NUMBERs : XXXX, XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MIDLAND FUNDING or any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MIDLAND FUNDING or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Student loan

I keep paying the same fee in the amount of {$19.00} every month, and sometimes I pay it multiple times due to Navient 's system will show that I owe the fee again even after I just paid it. I have made this same payment sometimes 3 times in the same month, and it will show that I still owe it. I have payed this same amount for years, but in the past it showed only once, so I didn't think anything about it. I just figured that it was a part of my monthly fee. I didn't want anything negative on my credit report, so I just consistently made the payment. I called a representative today XX/XX/XXXX due to I wanted to know what the fee was for, and why did their system keep saying that I owed the amount. I was advised that it was a late fee from XXXX which I found crazy to keep being charged for something that I did not know was owed. This particular amount did not start coming up until XXXX based upon my printout of payments from their site. I was told that the late payment does not go away. I am on an income based plan, and I have been on it since XXXX per the rep. This fee has never been explained to me before, and I never knew it was an issue until I checked to see why this particular amount kept occurring after a payment was made. The rep advised that she had escalated the issue, and that the fee would be removed by XX/XX/XXXX. My issue with the whole situation is that I was making multiple payments on my account thinking that this was a part of a monthly payment when in actuality it was for something else. I was told that my {$19.00} payments was being applied to the interest of my account. I was making multiple payments to my account for something that I did not realize I was paying several times. I hope I have not been charged interest on this same amount that I thought was being paid over all of these years. I was told that late fees were not a real concern for Navient. They use all payments to pay the interest owed to them first, then towards the principal. I have spoken to others from Navient before, and this has never been told to me about this fee that I kept paying over and over again. Navient needs to put on their site on how to make payments for other things owed due to I was unaware that I had to click on the payment site for unpaid fees which I did not know that the {$19.00} was an unpaid fee. I just thought it was a part of my monthly amount that needed to be paid as stated. I also see that I am not the only one who also had this issue. I found an article that someone else had with the exact same issue on XXXX XXXX XXXXXXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

credit was to be repaired for myself. the contract included for me making payment, my debts will be paid and my credit score will increase. I received a call from a collector, I tried calling PARK VIEW CREDIT and the line has been disconnected. unable to reach them, I am reaching out to you for assistance
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer from my account ( other bank ) to go to XXXX XXXX. The wire was sent on XX/XX/XXXX/18 to Wells Fargo to credit my XXXX XXXX for {$1600.00}. The wire never reached my account. My bank has sent service request for Wells Fargo to verify they received the funds, but no response. I have asked my bank to recall the wire and again no response from Wells Fargo. I tried calling XXXX myself, all I get from customer service, they ca n't get a hold of there own wire transfer department. What is wrong with this company?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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: Credit reporting or other personal consumer reports

I received a notification on XX/XX/2024 through my XXXX credit report that a charge card under the account name The Home Depot/Citi Bank had been opened under my name on XX/XX/2024 and had a balance of {$1300.00}. I called the bank directly to report it as fraud since I did not open this card. 

Also, I received another notification of a hard inquiry on my credit report alerting me that a credit card application was submitted under my name for a XXXX XXXX XXXXXXXX XXXX XXXX through XXXXXXXX XXXX I called the bank directly to report it as fraud as I had never applied for a credit card with XXXX XXXX XXXX. The bank confirmed that they have alerted the credit bureau of the fraudulent activity.
Product: Debt collection

Dear CFPB I am writing to formally dispute a debt that was sold to a third-party collection agency by XXXX XXXX. Upon contacting XXXX XXXX to address this matter, I was informed that the debt in question had been sold to a third-party as of XX/XX/XXXX. This information was confirmed during a phone conversation with a XXXX XXXX representative on XX/XX/XXXX, marking the fourth time I have sought clarification on this issue. 

As XXXX XXXX is no longer responsible for collecting this debt, I would appreciate further guidance on how to proceed with the dispute directly through the third-party collector. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : - XXXX XXXX Account Type : - XXXX  Revolving Account Type - Detail : - Credit Card Revolving XXXX Code : - Individual Individual Account Account Status : - Closed Closed Monthly Payment : - - - Date Opened : - XX/XX/XXXX XX/XX/XXXX Balance : - {$XXXX} {$XXXX} No. of Months ( terms ) : - Revolving Monthly ( due every month ) High Credit : - {$XXXX} {$XXXX} Credit Limit : - {$XXXX} {$XXXX} Past Due : - {$XXXX} - Payment Status : - Current Pays account as agreed Last Reported : - XX/XX/XXXX XX/XX/XXXX Comments : **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Account closed at consumers request and dispute investigation completed, consumer disagrees. ( To be used for FCRA or FCBA disputes ) Date Last Active : - XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX this the send debt that was sold to a third party XXXX XXXX XXXX XXXX XXXX Account # : - XXXX XXXX Account Type : - XXXX  Revolving Account Type - Detail : - XXXX  Credit Card Revolving XXXX Code : - Individual Individual Account Account Status : - Closed Closed Monthly Payment : - - - Date Opened : - XX/XX/XXXX XX/XX/XXXX Balance : - - {$XXXX} No. of Months ( terms ) : - Revolving Monthly ( due every month ) High Credit : - {$XXXX} {$XXXX} Credit Limit : - {$XXXX} {$XXXX} Past Due : - - - Payment Status : - Paid satisfactorily Pays account as agreed Last Reported : - XX/XX/XXXX XX/XX/XXXX Comments : **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Account closed at consumers request and dispute investigation completed, consumer disagrees. ( To be used for FCRA or FCBA disputes ) Date Last Active : - XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - BALANCE {$3800.00} XXXX XXXX XXXX - BALANCE {$3800.00} XXXX XXXX XXXX XXXX  XXXX - BALANCE {$580.00} XXXX XXXX XXXX # XXXX - BALANCE {$480.00} XXXX XXXX # XXXX - BALANCE {$840.00} XXXX XXXX # XXXX - BALANCE {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX - BALANCE {$660.00} XXXX XXXX  XXXX - BALANCE {$11000.00} XXXX XXXX XXXX XXXX # XXXX - BALANCE {$740.00} XXXX XXXX XXXX XXXX # XXXX - BALANCE {$1200.00} XXXX # XXXX - BALANCE {$99.00} XXXX XXXX  XXXX - BALANCE {$99.00} Unauthorized inquiries : XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

My card was lost and unauthorized purchases were made with my Wells Fargo card. 

I called Wells Fargo to dispute the charge they gave me credit while they did there investigation and days later denied my dispute and took my money out my account The amount of {$3300.00} dollars were taken from me on the date XX/XX/2023 I kept trying to dispute the charges with Wells Fargo but they denied me every time
Product: Mortgage

Almost XXXX  years ago, my wife and I ( over XXXX XXXX XXXX ), took out a XXXX mortgage with Newrez. We have consistently made our payments on time and have never been delinquent. In XX/XX/XXXX, I contacted Newrez to inform them that I was experiencing financial difficulties, as my only source of income is Social Security benefits. I requested to defer the payments for XXXX, XXXX, and XX/XX/XXXX to the end of the mortgage. The person I spoke with assured me that I could do that. Consequently, I did not make any payments for XXXX through XXXX. 

In XX/XX/XXXX, when I attempted to make a payment, I received a notice stating that the account was delinquent and that I could not make any payments unless I paid the full amount due. This amount included payments for XXXX, XXXX, XXXX, and XXXX, along with additional interest and penalties. Since then, I have been trying to resolve this issue with Newrez and XXXX XXXX  XXXX ( acting on behalf of Newrez ). Despite my efforts, I have been repeatedly threatened with foreclosure unless I pay the full balance owed from XXXX to date, including penalties and interest.
Product: Checking or savings account

I deposited a large check on XX/XX/XXXX. The teller advised that funds would be available on XX/XX/XXXX. It states this on the deposit slip ( attached ). It is now XX/XX/XXXX and Chase advises me that funds may not be available until XX/XX/XXXX. The check was drawn on XXXX XXXX and I have been advised by them that Chase has received the funds.
Product: Vehicle loan or lease

I purchased a car in XXXX in XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX, and registered the car with the XXXX  state. I changed my address with the XXXX  DMV multiple times. 
In XX/XX/XXXX, I paid off the car. I contacted TD Finance to get my title, but they kept telling me that the XXXX  DMV is not releasing it due to " unfinished transferring process ''. I contacted XXXX DMV and they stated that my transfer/address changed was done correctly, and there is nothing for me to do, TD Auto finance needs to release the lien so they can send me a new title. 
I contacted TD Finance again, and they insist that the XXXX  DMV needs me to finish the process and won't release my title, and continue to hang up on me every time I try to get them to resolve the issue. 
It's been close to 8  months since I paid off the car, and I am still unable to get my title.