23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent written notification to Midland Credit Management requesting documentation of any contractual relationship between myself, & Midland Credit Management. This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe Midland Credit Management, {$760.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
Product: Mortgage

I have a mortgage with Wells Fargo. I called trying to set up automatic payments. The customer service person on the phone asked me to make one manual payment and following payments the next month will be made automatically. I asked for auto payment immediately but they said that can not be done without one manual payment. So I set it up exactly as they asked. However, wells Fargo performed 2 monthly payment transfers for the month of XXXX without any warning.
Product: Credit reporting

While I was attending active duty XXXX military training, an online account error occurred and stopped auto-payments. This caused me to incur a 30-day and 60-day late payment delinquency against my credit reports. I had no way of knowing about the auto-pay error, and I have since fully paid off the account. I have tried disputing this case with the creditor, ExperianXXXX is the only credit reporting agency to remove the delinquency, but the other agencies have not assisted.
Product: Debt collection

There are several violations that occurred. I have an active claim of exemption on my bank account with federal income which includes federal financial aid. 

XXXX XXXX XXXX : says the motion to revive should be filed after it expires 20 years. 

Two the debt was discharged in a class action suit against wellsfargo XXXX : XXXX XXXX XXXX XXXX XXXX. 

Documents exceed XXXX, final ruling was XXXX. 

Alabama judge needs interpretation regarding the ruling for the illegal repossession. 

I want this case dismissed in court based on California ruling it was an illegal repossession. I paid the principal off, the car was repossessed in XXXX. The car was sold in an auction. Additional payments were made under a settlement until the final judgment approving it was illegal repossessed. I am still waiting for my funds in this case. 

XXXXXXXX XXXX XXXX XXXXXXXX CASE : XXXX Attorney XXXX & XXXX XXXX al XXXX Wellsfargo illegal repossession XXXX XXXX debt collector
Product: Credit reporting or other personal consumer reports

requested my credit report through XXXX XXXX XXXXXXXX XXXX to no avail. i was told to call or request by mail. I chose to call i gave my information and was told i should expect the credit report within 15 days. my credit report never came and now when i try to request my online report I'm told sorry unable to proceed with request.
Product: Credit reporting or other personal consumer reports

im in disagreement with the account listed below which still appears on my credit report, even after your investigation. i would like this item immediately re-investigated. the inaccurate information are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX in accordance with the fair credit reporting act, Public law 91-506, Title VI, section 611, subsection A-D, please provide the names and business address of each individual with whom you verified the account with so i can do a follow up please provide me with an updated copy of my credit report after reinvesting my report thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is in violation. Please refer to attachment. All violations will be reported and addressed to all appropriate agencies.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Student loan

As of XX/XX/XXXX, my student loans were completely paid off. During XX/XX/XXXX I was experiencing financial struggles so I decided to request a refund for all the payments I made on my student loan after XXXX a total oXXXX XXXX. Upon this request that I made over the phone they told me since I've made all my payments through direct deposit I would get a refund within XXXX business days to the same bank account. 5 months later XX/XX/XXXX I have not received a direct deposit nor a check in the mail. I have not been contacted by Ed Financials about this issue. I've called many times to resolve this situation. XXXX XXXX  ago I request that they cancel this refund, at this point, I no longer need this money. Since the first day of my request, a balance of {$3100.00} has been shown in my account. Student repayment begins in XXXX and if this issue is not resolved by then I am focused to pay new interest on my balance. This situation is very frustrating because this loan provider never gave me any documentation about this transaction, no confirmation, and no detail on the timeline. I'm left with a lot of unanswered questions and a new debt to clear without warning. If I had known that there would be possibly any issues with requesting my refund I would have never made the request. Edfinancial responsed about my issue XX/XX/XXXX and stated " Your concern, as we understand it, is you are requesting to cancel your refund request. On XX/XX/XXXX, you requested the funds to be cancelled so the funds can be applied back to your account. On XX/XX/XXXX, we began processing these payments to your account in our new system. Due to the recent transferring process of your account, please allow approximately 30 days for the payments to reflect on your account within the new system. '' As of XX/XX/XXXX my account has a balance of {$2600.00}. This amount is very unusual since they only removed {$490.00}. I should have my account returned to the original ZERO balance but as of today that is not the case. I have been more than patient with the process of correcting my account but now its been 6 months where my account has not reflected the correct balance and I believe this is unacceptable.
Product: Checking or savings account

Hello Citibank, I have made several attempts and no one over the phone is helpful I will start by saying that. Theres an issue which must be resolved ASAP! This needs immediate attention please. Citibank closed my business account for account number ending in XXXX on XX/XX/21 for our business account for XXXX XXXX. It shows that my remaining funds in the amount of {$5700.00} were withdrawn on XX/XX/21 and a check was mailed out in this amount however 1 month has passed and I have NOT RECEIVED my check in the amount of {$5700.00}. WHERE IS MY MONEY? I HAVE NOT RECEIVED MY MONEY YET IN THE AMOUNT OF {$5700.00} which states Citibank withdrew that amount from my account. Were in my money in my account that Citibank took out? I NEED MY MONEY! I keep CALLING CUSTOMER SERVICE NO ONE IS ANY HELP! Please CALL ME AT XXXX or email me at XXXX. THIS IS URGENT!!!!! I need my money in the amount of {$5700.00} that was withdrawn from my Citibank account on XX/XX/21 in the amount of {$5700.00}. I HAVE YET TO RECEIVE MY MONEY! Please resolve immediately. 


I NEED A NEW CHECK ISSUED OUT BECAUSE I HAVE NOT RECEIVED MY MONEY THAT WAS SENT OUT ON XX/XX/21 by Citibank in the amount of {$5700.00}. Thank you. 




XXXX
Product: Checking or savings account

This all started back in XX/XX/XXXX ( Currently Early XX/XX/XXXX ) when paypal tried to take XXXX dollars out of my bank account and the funds weren't available so paypal charged my checkings account {$26.00} dollars putting the checkings account into the negative balance. Being a college kid, just recently getting a job with a decent commute, hit rather hard. I moved money around but a couple more monthly payments that I didn't anticipate went through just before paypal tried again and charged another {$26.00} ( a consistent number through this story ) at this point I was pretty dry for money and payday wasn't for a couple more days, and of course it tried again but this time it just subtracted from paypal totaling to - {$12.00} in paypal. At that point I called support for my bank to see what the deal was at which point I was directed toward paypal so I contacted their support system. On the phone with them they basically said I was lying and that paying the difference in my paypal account might fix it. After 3 to 5 business days nothing had happened at which point I had become busy and wouldn't bother with this issue again until XX/XX/XXXX after another incident that actually took place in late XX/XX/XXXX. This was a charge of {$14.00} got declined by my bank and paypal charged another {$26.00}. In that support message it was basically me telling this story then a month later I got a message from paypal saying it has been resolved but funny enough that was not the case so I alerted them about that and have not heard back since. Fast forward to XX/XX/XXXX a payment of {$10.00} failed to go through an yet another {$26.00} out of my pocket totaling a whopping {$100.00} that shouldn't have even been able to leave my basic checkings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity thief and although I have taken the proper precaution to prevent this from happen in the future by ( freezing all 3 of my credit reports and placed a fraud alert on all 3 credit reports ) the following inquires were not made by me nor did I give consent for my credit report to be accessed. Please delate the following inquires : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX AND XXXX XXXX XXXX XXXX.
Product: Student loan

I have large amounts of debt from several Student Loans for Sallie Mae. I have called countless times, asking for extra options- including deferment and forbearance plans, and I can not reasonably wait anymore. I have almost {$100000.00} in student loans, with the lowest interest rate being 7.875 %, and the highest being 13 %, and I can not afford more than a single month of payment. It is too much for me to pay off, and I'm not even going to be able to afford to feed and take care of myself if this continues.
Product: Debt collection

Gate stone collection agency is contact a neighbor in a mobile home park where I live, asking invasive questions about me and stating they are calling regarding a debt. In addition calling my ex wife as well as my ex sister in law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Debt collection

I leased a vehicle from XXXX and financed it through Mercedes Benz Financial Services. The loan was fully paid off and the vehicle was given back to the XXXX dealership in XXXX XXXX, CA on XXXX XXXX. The vehicle was in pristine condition and I was well under the allotted mileage under the lease terms. Upon returning the vehicle, I was asked to pay a fee of {$640.00} as part of the lease return fee, which I made out in cash to the dealership. I moved from CA to NY last year and I made a trip specifically to remediate this process. It 's been over 10 months since I returned my car and paid all debts off in its entirety and MB contacted me on XXXX/XXXX/XXXX informing me that I still owe a debt of {$640.00} as part of the lease return fee. 

Mercedes Benz never attempted to contact me regarding this issue. They never sent me written communication regarding this issue until XXXX/XXXX/XXXX, when I received a notice in the mail. 

These are unfair practices and I 'm almost certain that the employee who took my vehicle back pocketed the money that was given to him and did n't settle my balance in full. Since it 's been almost a year, I did n't retain any copies of these records. However, the website for my account states that all debts were paid in full.
Product: Mortgage

I have been in foreclosure for a while and have tried to work with the bank on a few separate occasions. Last  XXXX  I went through the process with a customer service manager from Bank  of America n and tried a remodifcation. I kept giving them the information they requested, but would get a letter saying that I did not respond in time to the denied my request.     This past scenario, I got an auction sale letter by certified mail on  XXXX   XXXX  from a firm representing Bank  of America. I c alled the firm and asked how I can stop the sale and work with Ban k of America. T hey told me to work with my customer relation  manager  directly and they could assist and post-pone the sale. I immediately called to try to work it out again with BoA and was assigned a new  XXXX  to assist. Thats the thing with BoA, I can never actually speak to this person. They give me a name, and then when you call, they are never available and you have to work with the  XXXX  im on the line with and I never get to actually speak with the person who is responsible for my account.     Well I got the package form BoA along with the letter of what I needed to send them for the loan modification. I retrieved all of the files and faxed the info to them on   XXXX   XXXX  , for which I have a confirmation from MyFax services. I received a letter from BoA on  XXXX   XXXX  or  XXXX  about the extra materials they needed from me which included contacting my  XXXX  for details. This letter stated that any sales of the property would be put on hold until an answer was made in the application. It also stated I have 37 Days to complete the remodification.  Well  on   XXXX   XXXX  , the auctioneer showed up and sold my house. When I called the bank, they said there was nothing they could do at this point and to speak with their representation that handled the auction. Their representation says to talk to BoA. I am still within my 37 days and am trying HARD to make sure I do n't lose this house, but BoA is making difficult, almost on purpose it feels. I have  2 y oung kids and I am in a place now where I can make payments where I was n't when I got into the mess I am. I just want to make things right with BoA and start making payments and not lose my home.
Product: Credit reporting or other personal consumer reports

On XXXX i looked at my credit report and i noticed some inaccuracies. Experian told me that the accounts were verified and accurate. And according to 15 USC 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete pr can not be verified. The credit bureaus did not reinvestigate and violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit reports were fine up to about 1 yr ago when all of a sudden a XXXX XXXX charge showed up stating that I owed them {$2600.00}. I never had a credit card with XXXX XXXX XXXX that ever had such a high limit. I had smaller ones and they were all in force around the same time and all paid off. when I put a dispute in I never got anyting. how can they just let something appear on the report, no record of payments no record of charges nothing just an I owe them this money. I have tried to dispute with XXXX XXXX and all I got was a collection letter. this is really hurting my credit all reports. its not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent to the credit reporting agencies regarding inaccuracies on my credit file. I sent a letter on XX/XX/2021. The CRA has not contacted me regarding my case which is a direct violation of my rights
Product: Checking or savings account

I had a cashier checks given to me for products. these checks were scanned in incorrectly by XXXX and the money was spend. Now I'm being help liable by my XXXX XXXX XXXX due to an incorrect scanner by XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I had a payment of {$25.00} be returned against my account that was set up on auto-pay. Earlier the prior month I had my wallet with some of my other belongings stolen such as my drivers license, debit cards, phone, and social security card while I was in the process of settling after moving. To protect my assets I had my accounts frozen and had to start fresh. Unfortunately it takes quite some time to prove you are who you say you are without any form of identification so my accounts had remained that way for almost a month. About the end of XX/XX/XXXX I had received the forwarded letter confirming that the payment had been missed and it had come to my attention they didn't have my new card information for the auto-pay. The moment I had received the notice I called CAPITOL ONE and explained to the representative what had happened and she had assured me that this happened quite often and I payed the card off in full for my XX/XX/XXXX payment. Having never missed a payment I hoped that they had been understanding especially with the voice mails that I had from their department trying to help me out and willing to work with me... about a week later I checked my credit report and i took a 150 point hit to my credit score due to this interaction. I have since called and even sent a letter of good will trying to explain the situation, but after they had received the total card balance of {$190.00} their willingness to work with me had seemed to vanish. The only reply I could get was a generic generated letter with no human emotion. I had completely given up on trying to appeal it until a friend of mine pointed me this route
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Transunion has efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on XXXX XXXX and XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX  XXXX, XXXX XXXX XXXX  )
Product: Credit reporting or other personal consumer reports

I am writing again to file a formal complaint against Experian and XXXX for willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ). Despite my formal dispute and XXXX subsequent deletion of the collection account in question, both Experian and XXXX continue to report the inaccurate and unverified collection account on my credit reports. This action directly violates federal law and has caused substantial damage to my credit standing, for which I am now seeking monetary damages. 

Background : I disputed a collection account reported by XXXX XXXX on all three credit reports ( Experian, XXXX, and XXXX ). 
XXXX completed an investigation, determined the account to be inaccurate or unverified, and removed it from my credit report. 
Experian and XXXX have refused to comply and continue to report the collection account as valid, despite the lack of validation and XXXX removal. 

Violations of the FCRA : 1.Failure to Ensure Accuracy 15 U.S.C. 1681e ( b ) : Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Both Experian and XXXX have failed to meet this obligation by continuing to report inaccurate information that XXXX has determined to be invalid. 

2.Failure to Investigate and Correct Errors 15 U.S.C. 1681i : As part of my dispute process, I requested an investigation into the validity of the collection account. Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation into disputed information. The continued reporting of this collection account by Experian and XXXX, after XXXX deleted the account, indicates that these agencies have failed to conduct proper investigations and have not corrected the erroneous information on my reports. 

3.Willful Non-Compliance 15 U.S.C. 1681n : Both Experian and XXXX have willfully failed to comply with their duties under the FCRA by continuing to report the inaccurate collection account. Their refusal to correct these inaccuracies, despite evidence provided during the dispute process, constitutes willful non-compliance, for which I am seeking actual and statutory damages as allowed by law. 

4.Negligent Non-Compliance 15 U.S.C. 1681o : In addition to willful non-compliance, Experian and XXXX have acted negligently in maintaining inaccurate information on my credit reports. As such, I am entitled to recover actual damages and legal fees as provided by 15 U.S.C. 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A XXXX XXXX XXXX WHO IS REPRESENTING THE ORIGINAL CREDITOR XXXX XXXX  THAT IS REFLECT ON MY CBR AS NEGATIVE IN WHICH I NEVER HAS THIS ACCOUNT ... THEIR CONTACT INFORMATION IS XXXX XXXX XXXX XXXX XXXX, CA XXXX ... .THERE IS ALSO AN APEX ASSET MANAGEMENT ACCOUNT THAT REFLECTS AS NEGATIVE ON MY CBR IN THE AMOUNT OF {$1200.00}. THE ORIGINAL CREDITOR IS THE XXXX XXXX XXXX .THIS IS ANOTHER ACCOUNT THAT DOES NOT BELONG TO ME. I AM UNAWARE OF HOW THIS IS BEING ATTACHED TO MY CBR ... PLEASE DELETE THESE ACCOUNTS ASAP DUE TO THE NEGATIVE EFFECT IT IS HAVING ON MY CREDIT REPORT ....