23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I requested that Wayfair remove the negative account from my credit report, but they denied my request, stating that they are no longer the account holder. However, I originally requested a copy of the contract with my wet signature from them while they were still the account holder, and they never provided it. 

Under the **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) **, furnishers of information must ensure the accuracy and completeness of the information they report. Additionally, under **15 U.S.C. 1681b** and **15 U.S.C. 1681g**, a consumer has the right to request documentation supporting the validity of a reported account. Since they failed to provide a contract with my wet signature upon request, they have not verified the debt in compliance with federal law.

Furthermore, under the **Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g**, if a consumer disputes a debt in writing within 30 days of initial communication, the debt collector must provide verification, which includes a copy of the signed contract. Since [ Company Name ] did not provide this when they were the account holder, they should now be responsible for removing this item from my credit report. 

I request that this inaccurate and unverified account be removed from my credit report.
Product: Mortgage

My mortgage was transferred to Ditech XX/XX/2016 when XXXX XXXX XXXX became Ditech. I was notified XX/XX/2016 to start making payments to Ditech at their new address. XX/XX/XXXX 's payment had already been sent to XXXX and the check cashed. In XX/XX/XXXX I made all further payments to Ditech. In XX/XX/XXXX I called Ditech to see why I was being charged for Earthquake insurance as we do n't carry that in Texas. Up until this point all I had for a statement each month showed what I paid, there were no statement balances at all shown. I asked about balances and was told I was one month behind. I asked how that could be when I have made every payment each month on time and have my cancelled checks. " XXXX '' said he would look into it and get back to me. Next month I got statement saying I was behind, I called and was told I had n't made XX/XX/XXXX payment, said I did, made it to XXXX, the girl told me to call XXXX to get it straightened out. That 's when I found out DItech WAS XXXX. Called back-long story short, I have called 34 times since XX/XX/XXXX. I talk to someone different each time, no one knows anything, you have to explain again, and they always say, you are late-you must pay-threaten foreclosure. I have had these people lie and say they are managers, I get an extension number each time I call with a name, when you call back, no one knows who you are talking about. I have sent my supporting documents with copies of every months ' cancelled checks 3 times to XXXX different fax numbers they have given me and asked each time that they call and let me know the fax was received and everytime I hear nothing. Now they are saying I am 2 months behind but not one single person I have talked to can give me any idea how that is possible. I have a cancelled check for every month that shows deposited into their acct. I also am paying a huge amount each month to escrow, I have over 3 years worth of taxes and insurance in their acct but they ca n't pay my taxes or insurance on time and I still have n't seen my money back they paid out for earthquake insurance that I do n't have. I have already been down a similar path with XXXX XXXX XXXX. I thought there was supposed to be safe guards put in place that watched these mortgage companies to insure the public was n't getting completely XXXX again.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX : Experian sent me an email stating they received suspicious requests in the mails and determined it wasnt sent by me. 

On XX/XX/XXXX : I received another email after submitting more letters to experian. They said they received mail that was not authorized by me which is not true. They said they would not be reviewing my information. I have written dates down and experian has X amount of days to respond to my disputes.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that XXXX making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress. I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( 1 ) and ( 2 ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness. Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXX 's XXXX XXXX, XXXX XXXXXXXX XXXX " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Checking or savings account

I do not receive paper statements in the mail because I am signed up for on line. Each month I am locked out of the account for fraud even though my login credentials information is all correct and I login from the same computer each time. when I call to get into my account I am on hold a minimum ofXX/XX/XXXX I can get into the account XXXX time then am locked out again with no access only to repeat the process again.
Product: Mortgage

I live in Colorado and my mom passed away in XX/XX/XXXX and left the home to my sister and brother and myself. And at that time there was a balance of {$3500.00} left on a {$25000.00} loan my mom took out in XX/XX/XXXX to fix the house. Well my family and I decided that who ever lives in the house would pay the that amount left. My sister XXXX XXXX paid that loan without missing a payment or late fee til it was finished. But for some reason when I file chapter XXXX in XX/XX/XXXX midland mortgage popped up trying to collect {$500.00} from my bankruptcy that I was paying and I had nothing to do with that payment. Not a one payment in my name was I responsible for. My sister paid all of the it and received payment confirmation and they released the deed. Question why does it show every payment paid except for the last one that midland added at the end? I believe that the motive was to capitalize on my bankruptcy that was the only reason I could come up with. I try hard to keep my credit up but I seem to fall in one pitfall  after another.I try to do the right thing in life and people and companys take advantage of every opportunity for a dollar.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX, and XXXX are reporting incorrect information about accounts that have been opened up fraudulently in my name even though they have sufficient evidence showing that this is true, such as a police report.
Product: Payday loan, title loan, or personal loan

This is a continuous prob with After as they refuse to acknowledge issues and refuse to c all you and resolve. They now send auto messages that has nothing to do with thde issue and fail to acknowledge the real issue, after they auto take funds from my checking act without my authority, mentioned the issue and still take funds from me. I have paid for all items and they are still going back to my checking debiting funds every 2 weeks as i informed them repeatedly that I returned all items. They go back toask for personal info repeatedly & blow you off, tell me to go back to XXXX XXXX  XXXX for a refund as merchant doesn't refund they SPECIFICALLY STATE refund back to AFTERPAY. AFTER running a SCAM and FRAUD as they come they keep your money and tell you to go back to merchant. THEY CONTINUE TO VIOLATE MY RIGHTS and steal my money. Refuse to help, refuse to call. They charged me XXXX and I returned all items to XXXX, they refuse to help and send auto emails telling me to check emails and bank, they will tell you anything and send useless email automated to blow you off as I will not go away-. They are true thieves. XXXX XXXX  refund purchases were returned and receipt indicated refund and no refund from afterpay! REFUSE TO HELP and should be fined-how is this legal CFPB???
Product: Debt collection

XXXX XXXX XXXX, XXXX has filed a lawsuit against me for a debt that I do not have or owe for card XXXX. I have made several attempts to resolve this. Including filing disputes with the company and the credit bureaus, but the company continues to assert that the debt belongs to me. The debt belongs to a different XXXX XXXX, but they have attached the debt to my profile and my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card account with   XXXX   XXXX   XXXX   in early   XXXX    2017. Two weeks after receiving and activating the card   XXXX   XXXX   XXXX   charged me a {$75.00} annual fee. I called and cancelled the card and demanded that they reverse the annual fee since the account had only be open about three weeks. They agreed to refund the fee and close the account per my request. Two days ago,  XX/XX/XXXX  while checking my    Trans Union Cr  edit report I  discover that   XXXX   XXXX   XXXX   has reported this account as a " Charge Off '' for delinquency. I have never made late payments on this account and was not notified of by   XXXX   XXXX   XXXX   of adverse activity on my account. All attempts to resolve this problem have be futile.   XXXX   XXXX   XXXX   has blocked online access to account information. Credit card holders do not have an available   XXXX   XXXX   XXXX   customer service email address to report problems through. Telephone phone waits to customer service phone number average about twenty minutes before any one from the company answers the call.
Product: Credit reporting or other personal consumer reports

I cam across the CFPB Equifax Lawsuit. I feel I was negatively impacted, hurting my changes at credit after receiving a response to my earlier disputes that the accounts were verified.

I've received cancellation of debt papers that shows how everything was forgiven, but still be reported that I owe money that has already been forgiven and want to remove any error from my credit which will allow me to continue building my credit in the best way possible. 

If there is any other errors on my report, I am asking that it be removed.
Product: Money transfer, virtual currency, or money service

I believed I had a job offer lined up and needed to purchase equipment. Wells Fargo allowed me to mobile deposit checks from my employer into my account. One was {$4100.00} and the other was {$4900.00}. I then sent the money to who I thought was a vendor for my equipment. Wells Fargo cancelled both of my accounts and have them on hold until XX/XX/XXXX. I have very limited funds. I sent {$2300.00} via XXXX on XX/XX/XXXX and {$2000.00} on XX/XX/XXXX. I also sent {$4400.00} over XXXX. I have reported all of these transactions as fraud to both Wells Fargo, XXXX, and XXXX. It was not until I had sent the money that Wells Fargo closed my accounts and reported me for fraud. I was scammed.
Product: Debt collection

I am a victim of fraud and/ or identity theft, I am disputing the items on my credit report .I never authorized, used, or benefited from these accounts or transaction in any way.
Product: Mortgage

My mortgage company is saying I am in default because I have not paid the correct amount of taxes and insurance towards my impound account. I have supplied them with a copy of my current property tax bill but they have disregarded it and arbitrarily using a number 151 % above my current tax bill. They raised my monthly payment from {$2100.00} per month to $ XXXX month. 

XXXX annual taxes are XXXX / XXXX = XXXX Insurance {$640.00} / XXXX = XXXX P & I Payment is only XXXX My total payment due should be XXXX They sent me a letter stating they will return any payment less then the new full amount and I am in default and they are going to start foreclosure on my house. 

I just refinanced XX/XX/2020 and they took XXXX for tax impounds and {$910.00} for insurance. It is numerically impossible for them not to have enough money in my impound account to cover my taxes and insurance. 

Every time I call UWM I am passed around and disconnected. No one seems to know what they are talking about. Now they are saying my account has been referred to collections and they can not talk to me anymore. Please help I have never been late with any obligation in my entire life.
Product: Checking or savings account

On XXXX XXXX XXXX  My navy federal debit card was stolen and a phone was taken as well. They accessed online and changed info. Then stole {$900.00}. Around XX/XX/XXXX I received mail from navy federal go prepaid that I were receiving a permanent provisional credit. This fraud took place around the same exact time XXXXXXXX XXXX XXXX XXXX XXXX  i realized my wallet and my sons phone was gone. I then read emails in my phone saying my providers card account sent money to my sons XXXX XXXX XXXX  that we didnt have totaling {$2300.00}. I never sent my son any money.
Product: Mortgage

Since XXXX XX/XX/XXXX Freedom Mortgage has not been in compliance with RESPA and continues in its escapades of mismanagement, willful disregard, criminality and/or incompetence in references to compliance to RESPA. As it pertains to the laws and rules on Escrow accounts.

Section 10 of the Real Estate Settlement Procedures Act ( RESPA ) provides protections for borrowers with escrow accounts. Specifically, it limits the amount of money that a lender may require the borrower to hold in an escrow account for paying taxes, hazard insurance and other charges related to the property.

They continue to say they did not receive a lump sum paid in full even though we have numerous times in complaints to them and in letters that were sent since XXXX by certified mail to them. 

As well as the most recent certified letter sent to them on XXXX XX/XX/XXXX. 

They have charged me a late fee because they created a situation where the payment was approximately XXXX more every month. They continued to bill me and still are doing so for 3 months now. 

There was an overpayment of the taxes which I had refunded to me. I now need the overpayments because they are billing extra amounts that they claim is because the shortage was not pain in full there for the are billing me monthly installments creating continued violations of the above mentioned laws as well as FHA laws and/or any other laws that are applicable. 

Section 10 clearly says Each month the lender may require a borrower to pay into the escrow account no more than XX/XX/12 of the total of all disbursements payable during the year, plus an amount necessary to pay for any shortage in the account. In addition, the lender may require a cushion, limited to no more than XXXX of the total disbursements for the year. 

The lender must perform an escrow account analysis once during the year and notify borrowers of any shortage. Any excess of {$50.00} or more must be returned to the borrower. 


Last year they did the same thing creating an overage of over XXXX.
Product: Credit card or prepaid card

I was charged {$500.00} through XXXX XXXX on my XXXX card. This is a scam, I called XXXX  to try to get my money back and they said because the transaction was made using XXXX XXXX that they couldnt help. This company always gives me the runaround and never seems to want to help.
Product: Credit reporting or other personal consumer reports

I do not know why I have so many inquiries - I DID not authorize all of these please remove these inquiries from my credit report i have custody of my XXXX XXXX  and i am desperately trying to buy a home
Product: Credit reporting or other personal consumer reports

On XXXX I was alerted that loans with XXXX had been taken out under my identity. After several attempts of trying to contact XXXX I finally was able to a representative via phone on XXXX. She told me that loans associated with my SSN and name had been open XXXX -- XXXX and paid to XXXX XXXX ( telephone XXXX ). The email, address and phone associated with the account were fraudulent and not associated with me. When I told the representative, she said that she would change this in the system and update their records. When I tried to explain this was fraudulent she directed me to contact Federal XXXX  Aid to close my XXXX and XXXX and she just updated the account on XXXX to reflect my current address. When I attempted to contact XXXX they said this isn't something they can do. I have been unable to get another representative from XXXX to contact me without making an account on their website. I have now reported to the XXXX  ( XXXX ) and the XXXX XXXX XXXX.
Product: Checking or savings account

I opened an a new savings account ( a check for {$2400.00} ) at Citibank with the branch manager - XXXX XXXX on XX/XX/XXXX. The branch is located at XXXX XXXX XXXX, XXXX XXXX, NY. ( I have a copy of the deposit slip and cancelled check. ) I have other accounts with Citibank for many years. In XX/XX/XXXX, I realized I had not gotten any statements from the bank on this account and I went to see Mr. XXXX. He said he had no record of the account and said he would investigate it. In XX/XX/XXXX I  stopped in the bank, and Mr. XXXX said I should have gotten correspondence saying it was being investigated. I never received correspondence. On XX/XX/XXXX, I went to the Citibank branch on XXXX XXXX XXXX and was told that I should speak to the branch manager at XXXX XXXX XXXX. I have made numerous calls to Citibank and get transferred to various people who do not help me. On XX/XX/XXXX, I was told that a case research XXXX XXXX ( Executive Response Unit at Citibank ) was going to investigate and to call in a week to 10 days. I called on Monday XX/XX/XXXX and today XX/XX/XXXX and left messages. He does not return my calls. I went to the XXXX XXXX XXXX Citibank today and was told that my funds must have been turned over as unclaimed property, but they have no record of this. I called today and spoke to Client Relations at  Citibank and they finally opened a case ( # XXXX ).  Client Relations said that the Executive Response Unit had  closed the case without any explanation.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX are in violation of 15 U.S. Code 6801 - 6805 and 16 CFR 313.2.

TRANSUNION, XXXX and XXXX : XXXX XXXX XXXX XXXX ACC : XXXX Status charge off- When a debt is sold off to a third party debt collector or it is considered charged off that is now considered a certificate of indebtedness. A charge off is considered income and income can not be reported on a credit report. Please remove account and everything relating to said account from my credit report. 

XXXX XXXX XXXX XXXX XXXX ACC : XXXX Status charge off- A charge off is considered income and income can not be reported on a credit report. Please remove account and everything relating to said account from my credit report. 

XXXX XXXX XXXX ACC : XXXX Status CLOSED : why is this account still reporting on my credit report. account is set in CLOSED Status yet I'm still getting notifications that its still reporting account is also in collection status. no third party collection agency has my written, verbal or physical consent to furnish information on my credit report XXXX XXXX ACC : XXXX Status ( Account Paid in Full, was a Repossession ) - This is incorrect account was paid in full and paid as agreed was not a repossession. All payment dates should reflect account being paid in full. otherwise remove the account because it is negatively affecting my credit score Inquiries : There's a total of 50+ inquiries on my credit report per 15 U.S. Code 1681b Permissible purposes of consumer reports.

Unauthorized Inquiries : If any of those inquiries were made without my consent or for reasons not permitted by law, that could be a violation of my rights. I should have been informed and agreed to any hard inquiries.

Impact on My Credit Score : While multiple inquiries for the same type of credit, like a mortgage or auto loan, are often treated as a single inquiry, having excessive hard inquiries can negatively affect my credit score. This could make it harder for me to secure loans or get favorable interest rates.

Potential for Fraud : A high number of inquiries could indicate fraudulent activity. If I see inquiries that I didnt authorize, it might suggest that someone is using my information without my knowledge.

Right to Dispute : I have the right to dispute inaccurate information on my credit report. If I believe there are inquiries that shouldnt be there, I can request a correction through the credit reporting agency.

Dates on these accounts are not aligned, payments not aligned, status not aligned. please remove all inquiries and account furnished above on my credit report. It is expected of you ( XXXX, XXXX, TRANSUNION ) to act in good faith and show proof of said claims that you are in violation of. 

Phone Numbers : None of these phone numbers are mine my only phone number is XXXX. All others below are incorrect and inaccurate. Please delete all of them except for the one provided. 

( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Without prejudice XXXX, XXXX