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

I have sent numerous complaints to Equifax regarding the validation of these accounts and received no reply. Equifax has responded to my CFPB complaint stating that they will investigate within 60 days. The FCRA requires that credit reporting agencies and furnishers, like creditors, investigate disputes within 30 days of receipt of the consumer 's dispute. Equifax has had over 60 days to investigate and is now in violation of the FCRA. The accounts are to be deleted immediately or litigation will be my next course of action.
Product: Mortgage

Early in  XXXX  there was some missed payments. During repeated contacts with  XXXX   XXXX  I could never obtain a 'straight ' answer as to what was delinquent or how much was due.  One pay ment (  XXXX / XXXX / XXXX  {$900.00} ACH  Tel S ingle Mtg Pmt ) seemed to never have been credited.     During late  XXXX  and early  XXXX  I had difficulty in obtaining any helpful information as to the justification for the amount claimed to be due.     However, On or about  XXXX   XXXX ,  XXXX  I spoke with an  Ocwen re presentative who was most helpful in explaining the amount due and what would have to be done to bring all payments up to date. He explained how the amount due was arrived at and gave me an amount that had to be paid by overnight mail by  XXXX   XXXX ,  XXXX . The amount was {$3500.00}. The address he instructed me to mail the check to was  Oc  wen Loan Servicing, LLC ,,  XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX    XXXX ,  XXXX  TX  XXXX . During the explanation the agent asked I would like to refinance or pay reduced amounts. I declined both offers. ( Anytime this subject came up with other agents of  Ocwen I firmly d eclined the offers. They say they record conversations, so my claim should be easily provable. ) ( As an aside, The  XXXX  Texas address used was the only time I had ever heard of  XXXX  as a communication site for Ocwen. All other communications had been made through their   XXXX   XXXX   XXXX   XXXX  Fl, address ) I mailed the paymenet along with account information to the  XXXX  address via  USPS ov ernight. The tracking sheet shows delivery on  XXXX   XXXX ,  XXXX  at  XXXX  and signed for by  XXXX   XXXX   XXXX  It took approximately 5 weeks for the check to be cashed.     Subsequent to the receipt of my check by  Ocwen a t their  XXXX  location I kept receiving delinquency notices from Ocwen : i.e.  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  and lastly on  XXXX   XXXX ,  XXXX  ( with a different payment amount due (  XXXX  ) with no explanation.     This has been very frustrating in dealing with this company. Subsequent to payment of {$3500.00} payments have been in full and on time.
Product: Mortgage

I am writing this letter to get a meaningful resolution to my continuing issues with Wells Fargo Bank. This has been going on since XX/XX/XXXX. They have lied in court and on an affidavit and at least one case my checks was processed without an image to verify that the check was processed correctly ( it was scanned- I was told by my Bank representative ). After this happened I started sending my payments electronically, which I originally had done at the beginning of the loan. 
I had to write the FBI along with contacting The Federal Reserve Consumer Division even to get a printout of payments made to Wells Fargo Bank from Wells Fargo Bank. I got the printout in XX/XX/XXXX. 

Wells Fargo had required test payments to be made by mail and they started out wanting the payments to be made by mail in check each month beginning in XX/XX/XXXX and ending in XX/XX/XXXX by Wells Fargo Bank refusing payment in XX/XX/XXXX. When we went to court in XX/XX/XXXX, Wells Fargo claimed that they had not received payments, but that was proven to be a lie with me presenting my Bank statements. The next test period that Wells Fargo wanted, I refused to mail in the the payments but instead I made them electronically. Again Wells Fargo Bank refused the payment. Again, Wells Fargo claimed they were not being paid and then I requested from my Bank a printout of all payments. The printout was submitted in my affidavit in XX/XX/XXXX. The payments that were paid to Wells Fargo per their instructions was followed but I had not paid through regular mail in check. 

The payments that Wells Fargo received in XX/XX/XXXX before their original filing by them for a foreclose in XX/XX/XXXX. Wells Fargo had claimed that they had not received these payments. Proven false, and by finally getting a printout from Wells Fargo Bank in XX/XX/XXXX, that they had received payments. Those payments were placed in the Florida unclaimed funds account and I received notification of this by independent accountants writing me by mail. The notification of the funds being available was this year XX/XX/XXXX. 

I have tried to pay Wells Fargo and bring the mortgage back on track, but Wells Fargo has continually refused payments, even when they were negotiated. Wells Fargo has issued false claims and lied in court too. One more thing, Wells Fargo in XX/XX/XXXX sent an agreement that tacked on {$40000.00} without an explanation and it came after the letter to the FBI. 
Thank you and your office for any help that can be given in this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a request/ letter of demand to have this account removed on the legal grounds that it is false and inaccurate, and yet it remains on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX BALANCE {$0.00} STATUS : Closed balance {$0.00} I never had a mortgage with this lender or its subsidiaries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX, Never late XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX, Never late XXXX. XXXX, Account number XXXX, Date Opened XX/XX/XXXX This account has over 8 consecutive 90-day late reporting, how can I be 90 days late every month XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, Date Open XX/XX/XXXX, Balance {$26000.00}. Does not belong to me.


FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. As per my legal right, either permanently delete this account or provide me with ( 1 ) the description of the procedure you used, ( 2 ) the name and address of the business that verified this information, and ( 3 ) the telephone number you used to verify this information. I dont believe you can provide the above verification, because the information itself is FALSE and the furnisher would not verify false information! I expect to receive a prompt response confirming the deletion of this inaccurate account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for their failure to address my dispute of unauthorized inquiries within the legally mandated timeframe. I sent a dated and time-stamped dispute letter on XX/XX/XXXX ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report as evidence. Under U.S. law, these inquiries must be removed promptly. Over 9 months have passed with no acknowledgment or corrective action taken by Transunion. I, XXXX XXXX, confirm that the following accounts were unauthorized and are to be removed from my credit report : XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your help and assistance. The true bill for your company 's negligence and FCRA violation is attached. Payment is to be remitted to the address listed on the invoice.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 XXXX EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX reporting delinquent 43 days late.

I am a victim of Data Breach as result of XXXX XXXX disclosing my information.

I have on going Identity Theft as a result of XXXX XXXX leaking my personal confidential information as well as my Banking account and caused Bank Account difiulites.

XXXX XXXX has reported 43 days late on payment when it is on time and has never been late to all 3 Credit Bureaus, XXXX XXXX, Equifax, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX  XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX XXXX Date : XXXX Inquiry Type : Unknown - Credit Extension, Review, Or Collection XXXX XXXX  XXXX Date : XXXX Inquiry Type : Bank Credit XXXX XXXX XXXX XXXX Date : XXXX Inquiry Type : Bank Credit XXXX XXXX XXXX XXXX : XXXX Inquiry Type : Auto Financing XXXX Date : XXXX Inquiry Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX Type : Bank Credit Cards -- -- -- XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXXL XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Type : Other XXXX Account Number : XXXX Account Type : Other XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan
Product: Checking or savings account

On XX/XX/2023 I attempted to send money to my Capital 1 account from my XXXX XXXX account. I also had my husband attempt to XXXX XXXX and even my daughter and it led to my checking account being flagged. I then called and verified all transactions in and out of the account in the last few days. My account was never unblocked they instantly closed my account and after numerous calls from the time my account was flagged they refused to give me a reason and also said they wanted to end the relationship with me but the had to hold my funds for 90 days. This is theft. They are holding my money for their benefit and i need to be compensated for this reason alone.
Product: Credit reporting or other personal consumer reports

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I demand that you immediately cease employing stall tactics and take action to remove these inaccuracies from my credit report. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. 
You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports. 
That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you ou have violated my consumer rights as a federally protected consumer. 
Your credit reporting agency has been reporting inaccurate and incomplete information to my credit report. 
I am distressed that these referenced inaccurate accounts are on my credit profile. I want to emphasize that these inaccuracies have caused damage to my financial well-being. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report. There is not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. 
1 of 7 While these third-party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. 
Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. 
XXXX ), they may be liable for false reporting.
Product: Checking or savings account

I have a direct deposit come in every month in the amout of XXXX from the department of veterans affairs for XXXX compinsation and it was sent out on XXXX XXXX and now cashapp is saying they dont have it. It has been XXXXhree business days and i need to see if yall can help me find my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the company and explained that my card is active but they are reporting it twice. One shows open and one shows closed. The account has also been given to collections. The card is open and current and they wont do anything to get the negative report off my credit report. I even submitted a complaint through transunion and and nothing happened. My XXXX  XXXX CREDIT CARD IS OPEN AND CURRENT WHY DO THEY HAVE THE RIGHT TO REPIRT IT AS CLOSED AND SEND IT TO COLLECTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice these Fact, I HAVE NEVER SIGNED A CONTRACT OR PROMISSORY NOTE with CREDIT COLLECTION SVCS. I know them to be a 3rd party debt collector meaning they must legally operate under 15 usc 1690 or the FDCPA. I demand to see a receipt of purchase giving them legal jurisdiction to collect any debt they may claim I own past present or future. Pursuant 18 usc 8 ANY & ALL CERTIFICATES OF INDEBTEDNESS & BILLS ARE THE OBLIGATION OF THE United States XXXX. Notice in Fact, I have never given my written or verbal permission for this item to be furnished on my consumer report which is a clear violation of 15 usc 1681b. Any violation of the FDCPA is punishable by {$1000.00} per violation. So I DEMAND these items be removed from my consumer report IMMEDIATELY or pay me {$5000.00} for every minute that the alleged debt has been on my consumer report.
Product: Credit reporting or other personal consumer reports

On XXXX I received notification from Experian that a collection was added to my credit file. Upon checking it showed an account by a collection agency called XXXX XXXX XXXX The information contained in this account is not anything that I am familiar with. I have never received communication from XXXX XXXX XXXX in any manner regarding this debt, which I am confident does not belong to me. I visited the agency 's website and submitted a complaint for the unauthorized and unverified reporting according to their suggestions. I provided them with my name and current address along with all of the information reporting and even made them aware that I am a victim of identity theft. Instead of resolving the issue, XXXX XXXX XXXX proceeded to then add it to my XXXX credit report. They have completely ignored my communication to them even after being made aware that I would be filing this report. This is egregious behavior on their behalf and I need this wrong information to be removed from reporting under my identity. I have reported identity theft to Experian, XXXX and XXXX three weeks ago and they have yet to block such abusive reporting practices nor have they added a fraud alert as I requested of them. At this point I feel like the credit bureaus and collection agencies work together to suppress consumers whenever possible.
Product: Credit reporting or other personal consumer reports

The Following accounts were used unauthorized. It affects my Credit File. I need help I am a victim of Identity Theft. Remove the following accounts from my Credit Report!. 

XXXX. XXXX XXXX XXXX XXXX Credit Card {$1600.00} XXXX. XXXX XXXX Auto Loan {$2300.00} Delete also the Following Inquiries from My Credit Report. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Company failed to process payments appropriately. Stated a system glitch caused my escrow analysis to submit payments at a designed and calculated rate which was a systems error calculated lower than it should have been and was not caught by the mortgage company. This created a massive increase in my monthly payment and has affected my credit in a negative manner.
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00}
Product: Student loan

Dear CFPB, I have been paying on my student loan for over 7 years. My balance does not go down it in fact continues to escalate higher. I have asked on an occasion for a full audit of my account and never received it. Last year my account balance was approximately {$47000.00}. Today, I looked online at my balance and it is now at {$49000.00}. At the this rate there is no way I will ever see this balance going down. The interest rate is approximately 6.25 % pretty high for paying back a student loan. I am paying approximately {$340.00} per month and have paid higher amounts. Having paid over {$28000.00} on a loan that had a did not have a balance higher than {$40000.00} and as of 2022 to still have a balance of {$49000.00} shows that this will never be paid as nothing is going to the principal. I do not receive paper statments which I have asked for on numerous occasions and sometimes I receive them but most times I don't. I'm completed frustrated with this process. I am a XXXX XXXX who had hoped to be clear of this debt by now but at this rate it will never happen. 

Regards, XXXX XXXX
Product: Mortgage

Rocket tried to illegally delete our {$2000.00} credit 1 week before the closing date, threatening to delay the closing or lose the house with not enough time to find an alternative lender. One week before our closing on XX/XX/2022, Rocket mortgage changed its loan estimate and deleted a {$2000.00} lender 's credit that was offered to us to make their loan competitive versus another lender. With the {$2000.00} lender credit from XXXXocket, they were able to beat the preferred lender by a small amount, so we decided to go with Rocket due to our previous relationship. But, a week before the closing they kept on uploading the wrong loan estimate for us to sign, which was missing the {$2000.00}. After taking time off and calling numerous times, our banker XXXX XXXX told us they couldn't give us {$2000.00} anymore. She couldn't explain why and didn't help us, only offering her boss XXXX for an explanation. He was hard to reach and didn't return our calls, offering no explanation. It is illegal for them to change the loan estimate after everyone signed off. They threatened to cancel our loan 1 week before closing to scare us into taking {$2000.00} less. My wife and I both took a full week off from work to research and fight this issue. We lost of a lot of salary and sleep because of this. We told them that if they didn't honor their word and go with the original agreed estimate, that we would not do business with them. Only 3 days before the closing, they finally gave us the correct final loan estimate and we were able to move towards closing. They threatened to delay our closing and scared us with the possibility of losing the house. They used illegal tactics and lied to us, but thankfully we did our research and knew what was right vs what was wrong. The CFPB needs to investigate this firm and its practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Coronavirus issue, phase XXXX, cycle XXXX, Discover Financial Services did not fully investigate options related to fraud and abuse as indicated with a renewed credit card. The new issued card had information that apparently rolled over to the new system however the crisis severely impacted my ability to pay my account on time and now I am concerned that I will have difficulties obtaining a student loan for the XXXX XXXX XXXX XXXX XXXX this fall. The pandemic is challenging and I believe that once again we can unite to formulate an outcome based on good decisions as demonstrated with my first television in XXXX XXXX, XXXX XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to get this fraudulent accounts from my credit report they are not mines. The bureraus is reporting inaccurately. they are not mine