23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a member of the XXXX XXXX and was XXXX in XXXX due to injuries sustained in XXXX I had a XXXX XXXX XXXX with a {$8400.00} balance in XXXX. So far, XXXX XXXX XXXX has collected a total of {$8700.00} from my tax returns and an additional {$1900.00} from my pay checks. I contacted XXXX XXXX XXXX and they informed me that they contacted via mail back in XXXX, but since they sent it to a wrong address, they said I forfeited a settlement and they took garnishment actions. I have not heard anything from them in 5 years, yet every time I turn around, they are taking money without me knowing. Had I not called The XXXX XXXX XXXX XXXX today, I would have never known about the garnishments of my wages. I have asked AAFES and XXXX numerous times for a breakdown of what I owe and have yet to receive anything since XXXX. I am a little confused on how this is the slightest bit fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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 inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX : XXXX XXXX, 2021
Product: Money transfer, virtual currency, or money service

I requested a transfer of $ XXXX from Ally saving account on XX/XX/2022 to my external account ( XXXX, ending in XXXX ). The transaction ref # is XXXX. Somehow the transfer was not successful ( it is shown as Skipped ) and my XXXX account is shown as suspended in Allys website. I contacted Ally and was told the reverse was initiated on XX/XX/XXXX. I didnt see the money back to my account on XX/XX/XXXX and contacted Ally again on XX/XX/XXXX. I was told the money should appear in my account on XX/XX/XXXX. But there is no trace of refund at all. I called numerous times and was just given a reference number of case being investigated. My complaint points are XXXX ) Why would Ally even start the transfer if they thought my XXXX account suspicious and suspend it? 
XXXX ) Why no notice at all, no phone call, no message, saying they cancelled the transfer and any reason for that? 
XXXX ) Why was the refund/reverse taking so long? It is my money. I am suffering from the insecure feeling of losing the money ( and interest ). And I might need it in a couple of weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

For myself and my wife, XXXX is showing a balance due still for this mortgage that we had a completed Deed-In-Lieu for. As of XX/XX/XXXX the owed balance should be {$0.00} no more late payments after that date. 

They however still show a balance due of over 28K and over 5K as " past due '' PHH Mortgage Service and XXXX have been contacted numerous times but ignore the problem. I need it fixed so we can get a new mortgage starting XX/XX/XXXX of this year ( 3 year waiting period )
Product: Student loan

During the application process Discover gave the option to add a cosigner to my application. In my attempts to do so ( because it would n't let me ) I did what any reasonable prudent person would do and followed the prompt to the next screen thinking that it would give the option to add my cosigner there ( like every other student loan site ). However, the application came back immediately denied with no option to add a cosigner. In my attempts to fix this by contacting support discover admitted it was there mistake and said they would offer no solution in fixing it until I receive a letter two weeks from today. This was misleading and fraud in the way that it was advertised and no prompts on the website explained the cosigner aspect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is a fraudster company -- they work for the banks so all they want is to help the banks capture your property. They do not provide a way to dispute credit iu=inquiries which can affect your credit score. The people there are abusive and frustrating. They say they will call you back and they DO NOT. These people should be exposed for the scam to consumers that they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reports from Ally pulled by XXXX and several others were not by my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts was fraudulently made, Im a victim of Identity theft. I would like to have them removed based upon the fair credit act. 

XXXX XXXX Opened XXXX {$410.00} XXXX XXXX XXXX Opened XXXX. {$920.00} Arent medical bills illegal? I thought they werent supposed to report on your credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

XXXX XXXX XXXXXXXX
Product: Debt collection

Spoke with XXXX at Valley Empire Collections  in XXXX, WA ( XXXX ) on XX/XX/XXXX after finding account on credit report. She stated account is old utility bill from XXXX. They have never sent me a bill and state they are unable to send me anything regarding account as they are not insured to collect in Alaska. I informed them this bill was paid to original creditor, XXXX has no record of such. She was not able to provide any information to verify or validate debt owing. They state I owe balance of {$160.00} but refuse to send me documentation or original contract to verify and continue to report negatively to credit bureaus.
Product: Checking or savings account

On XX/XX/2020 Chase decided to lock my account stopping me from having access to any of my money and said theyre closing my account and dont have to give me any reason whatsoever, they also cant give me and exact date when theyll send me my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit report is showing a XXXX XXXX XXXX negative account on my credit report as active because the XXXX XXXX XXXX posed as me Fraudulently to make a payment on my behalf to reactivate an old account that was closed XX/XX/XXXX, my XXXX credit report shows XXXX XXXX XXXX which got sold to XXXX in XXXX, XXXX XXXX shows deleted on XX/XX/XXXX from my XXXX paper copy that got sent to me on XX/XX/XXXX This negative account needs to be immediately deleted from all credit reports because this is a violation of the fair credit reporting Act showing Duplicate accounts under the same company under different names, addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed late payments on my credit report that was placed by XXXX XXXX XXXX, they had 30 day leads that were in accurate. They illegally changed information so that they would not have to do what was right. I then did a CFPB complaint which The XXXX credit bureaus ignored and continue to let this negative information harm me. They are violating my rights I demand to be compensated {$1000.00} per violation from TransUnion XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

I got a call from XXXX at Transworld Services at XXXX. Said my daughter owed money for a XXXX for contractor work. Checked and the XXXX is several states away and has no file on my daughter. Furthermore, my daughter is XXXX years old and mute and therefore can not order anything. Told this to " XXXX '' and she was adamant about getting my information to pay this imaginary dept. I asked if I could contact her and she gave me a different number : XXXX.
Product: Credit reporting or other personal consumer reports

I requested debt validation XX/XX/. I received a copy of a bill dated XX/XX/ which is not debt validation. In accordance with the Fair Credit Report Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Sections 2, it also states a consumer reporting agency can not furnish an account without my written instructions, Under 15 USCS 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Student loan

I had a bad debt collection added to my credit report from XXXX XXXX XXXX XXXX placed in collection XX/XX/2024. I live in Kentucky and have not been in school for over 40 years and kids are grown not in school. Reached out to collection agency who referred me to XXXX. They were contacted and just received statement saying information was verified. I reached out to school to try and get information about who was enrolled to see if there was a ID card. Was not able to speak with anyone that could help. This derogatory impact has hurt my credit score and impacted my ability to buy a house. Would like info from school and their verification process
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves XXXX XXXX XXXX XXXX Account XXXX. This account is found on my EQUIFAX Credit Report. I am disputing the accuracy and legitimacy of this account charges. When these charges initially surfaced, I contacted XXXX and reported the charges fraudulent. The largest of the largest charges, I was able to track to a furniture store who provided me a copy of the signed document receipt. They provided information that an older female signed the invoice and the delivery address was not my address nor was it an address I had ever lived. I provided XXXX this information and subsequently, I provided XXXX all local Police Reports, and Federal Identity Theft Task Force reports of the identity theft and fraudulent use of the card. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and XXXX XXXX have failed to do either. The other two credit bureaus, Equifax and XXXX have removed this account, with prejudice, from my credit report. A second matter is related to a bankruptcy, XXXX filed XX/XX/XXXX. The filing is subject to a mandatory removal XX/XX/XXXX. I have repeatedly disputed this reporting based upon the fact the bankruptcy court dismissed the case without any discharge and that all creditors were paid satisfactorily. While your position is that XXXX XXXX reserves the right and ability to report the information for ten years, you have no statutory obligation to do so. I continue to labor under the reporting of this bankruptcy and it has a major impact on my credit report and FICO Score. I am asking respectfully that you remove this bankruptcy from my credit report early and allow me to move forward in the current dire circumstance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has placed an account on my credit report, listing it as a charge-off and also stating that I owe a balance of over {$7300.00}. I do not recognize an account where I owe over {$7300.00}. I do recognize that I have an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the original loan amount that I had with them was {$2500.00} which I paid several payments on. This creditor has never provided a debt validation notice as required by law. This creditor has never provided me with a copy of my original wet signature authorizing them to place items on my credit report. Reporting an item on a credit report as charged off indicates that the account has been charged off and it's a 1099-C is required by law to be issued to the consumer. When I contacted the creditor, I was told that the account was placed for collection with their collection department/agency. Again they have never provided proper debt validation via certified mail as required by law. This is a clear violation of the Fair Debt Collection Practices Act. Reporting an account on a credit Bureau report as a charge-off when it is a collection is fraud. Reporting an unvalidated debt to all three credit bureaus is also a violation of the Fair Credit Reporting Act. Reporting a charge off with a current balance due as well as a past balance due is also a violation of the Fair Credit Reporting Act. Denial of the consumer 's 1099C for a charge-off account is also a violation of the federal tax code
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I realized that my personal information was compromised via identity theft. I reached out to all 3 credit bureaus and requested that they remove the information for XXXX XXXX.Transunion did their investigation and then XXXX XXXX   was removed. A few weeks later, Transunion reinserted the fraudulent account by XXXX XXXX  without notifying me within the required 5 business days of reinserting by the FCRA. Since then I have sent several copies of my drivers license, social security card, identity theft report as well as a personal letter requesting that the information is removed. Transunion has used an EOscar menthod of investigation without and true explanation of why they reinserted the account, nor any written proof from XXXX XXXX  that the account belongs to me. I have requested verification and they respond that the account has been verified. I have received to documents that by law, I am entitled to. Transunion is not only in violation of my FCRA rights, they are defaming my name by reporting fraudulent information on my credit report. I will be filing a report with the attorney general in my area as well as filing a complaint with the XXXX. From there I will be filing a lawsuit and suing Transunion as well as XXXX XXXX.
Product: Mortgage

My father, XXXX XXXX passed away in XX/XX/XXXX. My loan was previously at XXXX XXXX XXXX and sold to Carrington Mortgage Services. They changed the ownership back to my deceased father. 

I sent them a copy of my father 's death certificate. I was told I can not speak unless I have executor or small estates affidavit. In the mean time, I contacted XXXX XXXX and was told to fax my birth certificate showing that I am his son along with a password to a specific fax number. I did this. This was back in XX/XX/XXXX.

It is now XX/XX/XXXX. I still can not speak on behalf of the mortgage loan. Furthermore, there is now a financial error in my mortgage. My statement dated XX/XX/XXXX with a payment due date of XX/XX/XXXX shows that I owe XXXX as my regular payment. 

I paid this amount. The statement came dated XX/XX/XXXX with payment due date XX/XX/XXXX. Now they show I am 2 payments behind. They took my payment from LAST MONTH and put it in unapplied funds. I send the correct amount based on the statement that was sent to me, and they are now saying I have over due payment for XX/XX/XXXX Payment plus the XX/XX/XXXX Payment. I am attaching the statements for review. 

I am not allowed to speak with anyone. No one can resolve my problem. I am very, very concerned about this. Furthermore, they are EXTREMELY RUDE and wanted to slam the phone down on us when we tried to call them. The women 's name was XXXX and this is in the Customer Advocate Department. I am attaching all copies of correspondence I received and sent to them. I need help. 
I am waiting to see if I will receive a return call from XXXX XXXX, who was left a message today XX/XX/XXXX to return my call. Also, she failed to follow up on this issue. It was left unresolved and unfinished. 
Thank you
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and 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 shall 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 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 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 # XXXX as proof from the US 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 or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Theres a medical charge on my credit report in collections for XXXX I attempted to dispute this charge several times and they aware that I owe the debt this is a HIPAA violation please access my credit SS XXXX
Product: Mortgage

Wells Fargo Home Mortgage has yet to provide me anything documented by law that states on an all California All Purpose Certificate Of Acknowledgement that some notary as stated by wells fargo home mortgage can sign my name and say on there documented ( IPERSONALLY APPEARED BEFORE THEM ) HOW IS IT WELLS FARGO MORTGAGE CAN SAY OR THE NOTARY SAY I APPEARED BUT ITS NOT MY SIGNATURE ON THE DOCUMENT. 
Wells fargo home mortgage has yet to provide me anything legally by California law that states any one can sign an document that states I personally appeared and what law in the state of California gives wells fargo   the right not to let me see or no why corrections agreement & power of attorney was made with out my consent or knowing. 
All wells fargo keep responding back saying with out any documented proof of the law that states that there notary can sign for me as me and say I appeared. wells fargo home mortgage has yet to address the issue they keep talking or responding back to not the real legal issue.
Product: Debt collection

Unsolicited calls from a company called XXXXXXXX XXXX XXXX ( a known scam ) saying I owed a debt of {$31.00} to a cable company from XXXX via a bounced check. Added fees state I now owe {$300.00} Stated all attempts to contact me were not responded to. I never received anything from DataCheck USA over the last 29 years. Cable company no longer exists. Ive had the same phone number for 24 years. I dont owe anything to these people. I informed XXXX I would file this complaint and for them to inform DataCheck USA of same. I can not even find them online if they even exist. I told them to remove me from their call list.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned that the FCRA 605 requires credit bureaus to ban and erase any items that are discovered to have been opened as a result of identity theft. Once more, it seems that my credit with you has been damaged. The items being reported are giving me a lot of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following are the things that CREDIT BUREAUS has to get rid of : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

You guys keep closing this complaint without holding this company accountable, and I will keep making the complaints until they are held accountable. 

Shellpoint has given 5 different stories as to why the mortgage shows past due. Each and every time I have provided proof that payment was made and received by them. They have now sent me a letter that I am {$3000.00} behind on my mortgage. How could that be when I have proof of payment for the past 2 years? Submit every single piece of proof they have asked for? How come Shellpoint refuses to adjust the value of home when it has already been done by the XXXX County Assessor? I was advised that my mortgage payment should actually be LOWER than what I am paying. Not one person within this company can explain to me why the payments are not being processed. HOLD THIS COMPANY ACCOUNTABLE FOR THEIR PREDATORY LENDING.