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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX AND XXXX CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt or credit management

On today XX/XX/2023 XXXX XXXX XXXX  came to my residence @ XXXX XXXX XXXX XXXX XXXX Pa XXXX. Stating that he wanted access to my roof because my residence was sold to a XXXX at the XXXX XXXX XXXX on XX/XX/2023. In which I knows absolutely nothing about and theres supposed to be some kind of Loan Modification Agreement between myself and Wells Fargo.
Product: Debt collection

I want all Midland Funding accounts deleted. I was not aware. I have insurance and they should have paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My lender has been trying to pull my report from Equifax for nearly a week. He has spent {$92.00} so far pulling a tri-pull report and can not access Equifax. I spent over an hour wading through their website and phone tree trying to figure out how to talk to a representative. I finally reached a representative and answered all of the verification questions. She asked me several questions about my credit history. She told me the credit freeze was removed and that my lender could pull the report. My lender could not pull the report, and I called equifax back. They said they needed to confirm my data with an ap. I scanned my drivers license and their application scanned my face and it matched. My credit was still locked. The next representative told me that they would contact me by mail. I told her that was going to take too long. she apologized and we ended the call. I called my lender, he said call them back and ask for a supervisor. The supervisor told me to write a letter and send it with a W2 and copy of DL, she gave me an address. I wrote the letter, had it certified, and overnighted the information. It has been 3 days since I overnighted the letter. I called them again. They still have not removed the freeze. They have not processed the letter yet. The representative told me 3 - 5 days to process the letter then another 5 - 7 days for them to send me a response by mail. I have easily spent over 8 hours on this issue. 
Equifax has confirmed my identify twice, once by me answering questions and the 2nd time by scanning my drivers license and matching it to my face. Why not accept the verification through their application or allow me to upload the documents instead of telling me the only way to resolve it is through mail. Not too mention the fact that this process is dragging my credit score down, multiple unsuccessful credit pulls, and address change. Now I am in a lower credit score bracket and the interest rate on the loan is more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried speaking with a representative from TransUnion to get some of my credit inquiries removed because I have over XXXX from a car dealer trying to finance me for a vehicle the person was rude to me and said I had to write out all XXXX financial institutions and said I should n't have a problem doing so even though when I was at the dealership I has no idea they ran my credit over XXXX times. Even though I have tried myself to remove them to no avail I can not get them to go away and it is drastically affect 's my credit everything else is tip top shape besides those inquires.
Product: Checking or savings account

CashNetUSA ( https : //www.cashnetusa.com/ ), a Payday loan provider, fraudulently charged my checking account via my debit card XXXX payments of {$500.00} on XX/XX/2023 ( total {$1000.00} ). 

I have never heard of CashNetUSA, and I have never taken a payday loan from them or anyone else. I have called them ( XX/XX/XXXX conversation with Cust. Service Rep XXXX XXXX ) to confirm that I do not & never have had an account with them. They will not submit my claim to their fraud department unless I have a police report ( XX/XX/XXXX conversation with CSR XXXX ' ), but my local police will not file a police report without a notarized letter from CashNet saying I was defrauded ( XX/XX/XXXX police visit ), which CashNet will not provide, so I do not have a path forward. 

I have cancelled my card with my bank and the bank has launched an internal fraud investigation, but CashNetUSA is knowingly accepting fraudulent money as they have confirmed with me that, according to their own records, I have never done business with them. If needed, I have recordings of these phone conversations.
Product: Student loan

I have a company that claims they have my student loans. the company calls all the time and tries to contact me through my family and co workers. they say they got my loan from navient and that they are to collect the debt. They had incorrect personal information about me and I dont feel comfortable talking with them.
Product: Money transfer, virtual currency, or money service

I used Venmo on XX/XX/2022 to send money to my cousin. At the suggestion of Venmo Customer Service, I send the money in two separate transactions ( {$2500.00} and {$2400.00} ), and I also added my Debit Card to my account to send the money from. I had contacted Venmo customer service because I was getting error messages and a locked account upon trying to send the money. 

After the money left my account, I checked with my cousin to confirm she had received it. She did not received the money. So she contacted Venmo customer service. They asked her for her driver 's license number, her bank account number and several other pieces of information. The money still didn't go into her account. She contacted them again, and they said that it would take 10 to 14 business days for her to receive an email from Venmo that would allow the money to go into her account. A few days later, she was told by Venmo Customer Service that her account was locked, and she was being investigated for internet fraud. 

She is still waiting for further information from Venmo and is concerned that the money will somehow never be put into her account. I was never contacted by Venmo to confirm that I did intend to transfer the money to her and prove that it was not a case of fraud. Venmo has not provided sufficient information about the reason for holding her money, and we are very concerned about Venmo never transferring the money into her account.
Product: Vehicle loan or lease

CFPB I have reason to believe there may be a Car Loan that doesn't belong to me I just got a email at XXXX XXXX XXXX XX/XX/XXXX Saying thank you for Registering with XXXX XXXX.. 
I Haven't bought a Car since XX/XX/XXXX And that XXXX was paid off within 2 months .. 
My MY DRIVERS LICENSE STOLEN IDENITY COMPROMISED RECENTLY..
Product: Credit reporting or other personal consumer reports

I am a victim of a Data Breach and Identity Theft. Please block and delete the following accounts within 4 business days under the Fair Credit Reporting Act Section 605B, 15 USC 1681c-2. Please block and delete the following accounts : 1. XXXX XXXX Open Date : XX/XX/XXXX 2. XXXX XXXX Open Date : XX/XX/XXXX 3. XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see an account in collections on my Experian credit report which I paid off in XXXX. 

I submitted a dispute on XX/XX/XXXX that the account is paid in full and must be deleted. 

Amount {$1600.00} - Experian Account # XXXX Experian took more than 30 days to investigate and did not delete the information.
Product: Mortgage

Sold home mortgaged by Mr. Cooper on XX/XX/18. 
Payoff amount of {$230000.00} was wired to Mr. Cooper on XX/XX/18 Mr. Cooper is now saying that they are short money because of insufficient funds in escrow because of a payment made for property taxes. 
Escrow funds were available and we should have funds refunded to us around {$800.00}.

My wife and I have spoken to 4 different people, including a manager and an escalation agent and have gotten no where with their investigations. They do not return calls or emails.

The house is no longer under our ownership and this issue is affecting our credit.
Product: Debt collection

My identity was stolen by someone and XXXX XXXXXXXX XXXX never contacted me to indicate that I owed a debt of any kind. I looked on my credit report and noticed a fraudulent account. I took the necessary steps but XXXX XXXX XXXX took the debt and they gave me the run around for an Affidavit which NEVER came to my house. They never indicated to me that they XXXX XXXX XXXX was very negligent in getting this issue resolved and they're using another party to collect this debt I do not owe. Thankfully, XXXXXXXX XXXX XXXXXXXX have sent the Affidavit and I am going through a painful process of getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it report and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these account were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.
Product: Debt collection

My identity was stolen 2 years ago and several accounts where open in my name I have no knowledge of the accounts. All fraud navy federal account is fraud, XXXX XXXX account is fraud. XXXX account is fraud and there are several others I have no credit card or debt. My score was originally XXXX now is XXXX
Product: Credit reporting or other personal consumer reports

Prior to this incident my credit score was a XXXX. I have never been late with any creditor. I have been a long standing customer with XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX. I have not used my XXXX  credit card or have not logged into their website since XXXX timeframe given I do not actively use this card. Furthermore, I requested a XXXX replacement card in the mail back in XXXX since it was lost. Since I do not actively use the card I was unaware a outside company could charge my account. A charge was placed on my account unbeknownst to me for {$180.00}. XXXX sent letter to my home address mid XXXX which I received on Thursday, XX/XX/XXXX, about the charge and I immediately paid that same day as a result of that letter. There was no prior letter sent to my home or courtesy call made by XXXX. The physical card was not used for this transaction and appears to be a yearly charge for supplemental water/sewer line insurance ( XXXX XXXX reference XXXX XXXX and XXXX ). I called this company and told them they do not have authorization to auto charge my account. 

Additionally, on XX/XX/XXXX, I immediately called and spoke to XXXX customer service representative who informed me there was no credit late reporting and as soon as the payment posted, they would waive the late fee. XXXX XXXX also did not show credit was impacted at this time. The associate informed me to wait 5 days to show it was reflected on my account. I then proceeded to call back on Monday, XX/XX/XXXX, and spoke to another representative who informed me the prior representative never processed my request and did nothing with it. The new representative then proceeded to fix the account on my behalf and late fees were removed. 

On XX/XX/XXXX, XXXX XXXX then showed a credit hit ( which it previously did not ) and that my score that was at XXXX had now dropped a XXXX points. I proceeded to call XXXX again on XX/XX/XXXX, waited on hold for XXXX minutes, and spoke to a new representative who submitted a request to correct my credit which did not contain all the details listed above. I did not trust this process given the above inconsistencies, therefore, I reached out to XXXX  via their XXXX XXXX because I wanted to send a formal letter myself to dispute the late credit reporting to give all the details. XXXX gave me an address to send a formal notice to XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The letter i mailed just came back on XX/XX/XXXX stating " not delivered as addressed- unable to forward ''. I also got letter from XXXX saying they would not correct my credit since they do not have all the details. I reached out again to XXXX  for the correct mailing address and they said someone would be in contact with my on XX/XX/XXXX and still have not heard from them. 

I am filing a formal complaint with CFPB to get this remediated once and for all given I can not tolerate the inconsistent handling and misinformation from XXXX any longer.
Product: Debt collection

In XXXX I received a voice mail from the " Litigation Department of Cohen And Associates.Stating That XXXX Bank was taking me to court that week and once a verdict was found against me my wages could be garnish and even bankruptcy would n't relieve me from the debt. So I called Cohen & Associates and was transferred to the " Litigation Department '' and a very authoritative XXXX XXXX XXXX, tells me that unless I make a payment immediately his lawyers were going to go before the judge and get my case on the docket. I have a settlement letter from him saying that XXXX bank is suing me for over {$4000.00} ... The original debt, plus interest plus, & court fees. I do n't know how to get representation XXXX, XXXX where XXXX XXXX XXXX told me my case would be presented XXXX, when I now live over XXXX miles away. So I begged and borrowed and came up with {$1000.00} and settled the debt with XXXX XXXX Bank. Then to my surprise I begin getting multiple letters from other collectors collecting on this same account. I send them my settlement letters and they ca n't understand why I paid XXXX when my total debt is only XXXX. I finally get in contact with Cohen and Associates, but no XXXX XXXX XXXX this time, only to be told that there was a clerical error, XXXX XXXX XXXX had entered the wrong account on the paperwork, the {$1000.00} settlement really being applied to a XXXX account from 2007 and he will gladly send me an updated Release of Liability With the correct account number. I understand that I may owe XXXX but Cohen and Associates did n't even own the XXXX Account so how could they represent it on their paperwork. Not once in any of my communications with Cohen Associates was XXXX mentioned. I believe that i was threatened falsely, grossly misled and right after I made this payment I got a letter from another collector offering a settlement on the same XXXX account I was told I had settled for XXXX. At that point I could n't pay anyone anything, and now that settlement offer is no longer available, I believe I was done so wrong and Cohen and Associates grossly misled me and something needs to be done.
Product: Mortgage

Wells Fargo is refusing to delete my MIP insurance even though I have met the requirements according to HUD. My LTV is under 78 %. I have had my home for over 5 years. They are saying I was late in XXXX which I was n't, I was on FHA trial modification. I have spoken to several of their employees in the last three months and also received in writing that my MIP would be deleted effective XXXX/XXXX/XXXX payment, they have also confirmed this over the phone in which the manager yesterday confirmed both. I was also affected by Hurricane XXXX and I am now on a relief plan for the month of XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my express my concerns regarding Cash App handling process of disputes due to inadequate customer service unfair practices which violates the consumer financial protection act. Cash App has significant issues with the platform. Cash app failed to take timely and effective measures to prevent fraud leaving my account vulnerable and unprotected. 
Furthermore, their dispute process was and deceptive as they did not comply with error retreated requirements under electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate red dress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agencies are reporting an incorrect balance on my credit card. The balance on my XXXX XXXX XXXX XXXX XXXX has been approx. {$13000.00} for several months. The agencies are reporting a balance of approx {$19000.00}. They corrected the inaccuracy couple of months ago, only to return to the incorrect reporting of the $ XXXX+ figure a couple of weeks later
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX reached out to company showing up on my 3 credit reports they could not verify any personal info about me such as social or I.D or any Wet Signature Contract with my signature or name I requested several times and still no proof to validate this account belong to me also the credit reporting XXXX, XXXX  or XXXX  could not provide any proof after asking several times to show me proof according to my rights. No Contract with any information or any Contract with my signature showing Validation of the account. 

I have attached the info that was sent to me as you can see my name is no where, there's No Signature, No Contract with my dob, social or any info regarding me. 

XXXX_ 2nd complaint with LTD Financial Services XXXX XXXX XXXX  can not verify or show proof that this account belongs to me. Please Delete.
Product: Checking or savings account

Being charged over draft fee due to bank error ... wells fargo bank deposited funds in my account on there error. 3 months later a withdrawel transaction was conducted without authorization or proper notification causing over draft fees. Also had issues with bank in the past with other over draft fees.
Product: Debt collection

NCB Management services is steadily reporting a past due amount of {$6400.00} on a closed account I had with XXXX XXXX on a voluntary repossession from XX/XX/XXXX. I have tried repeatedly to tell them the amount of not owed and it was settled with XXXX before they placed it on my credit in XXXX. I keep disputing it on XXXX XXXX but I have never personally received mail, a notice, an email or anything regarding this. I want it removed from my credit ASAP on all three credit bureaus as I believe they have taken a closed debt and trying to steadily destroy what little credit I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX