23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo manipulated my payments and move funds out and in of my account when they were my mortgage servicer. Id make payments early, some times a week early, knowing Ill be out of the country or not being around to make payment on time, and Wells Fargo would undo my payment without my knowing. And thats not the bad part, they moved the money i transferred out of my account completely, they didn't even refund to my checking nor savings. They then would magically transfer the funds back on the day mortgage is due, pretending nothing happened. this happened numerous occasion when i needed to cushion myself by paying earlyaround the holidays, or before me leaving the country. they pretty much have access to thousands of dollars invested for 7-14 days by uaing my money.
Product: Checking or savings account

the complainant file a dispute with its bank ( wells fargo ) several weeks ago concerning an overcharge and/or a fraudulent charge by XXXX / XXXX car rental. on or about XX/XX/2019 XXXX / XXXX or/and wells fargo charged my account causing my account to go negative and in addition, they took nearly {$600.00} dollars from my account. The remaining {$600.00} was money allocated for school books and etcc, as the complainant is enrolled in XXXX XXXX college. Due to wells fargo action I will not be able to purchase the required books for my class which may result in me failing my class. I will be filing a civil lawsuit against well fargo for this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a product of identity theft since XXXX and XXXX. I did not open an account with XXXX Acct # XXXX, I've been trying to get this resolved since XXXX of XXXX. As a result, I've filled an identity theft report, Affidavit of Truth, and a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To my knowledge, all of my consumer information at my request has been frozen and suppressed. I have correspondence from Experian claiming that my data has been verified in violation of my rights.
Product: Credit card

On XX/XX/year> my fiancee and I purchased a XXXX  engagement ring at Zales jewelry store in XXXX XXXX Florida for XXXX. 
The salesman offered us a promotion of 12 months interest free but never mentioned the amount of interest. Over the past year we were able to get the total amount of the bill down to XXXX. When we received our last statement we noticed that interest at the amount of XXXX. XXXX had been added to our bill which is shocking since we were never told about this much interest would be owed. We would have certainly paid the ring in full if we had known.
Product: Credit reporting, credit repair services, or other personal consumer reports

From the company 's response I have concluded that they are still presenting false information about my complaint. Under the FCRA, unverifiable accounts must be removed within 30 days and if you are unable to provide me a copy of verifiable proof ( i.e proof of the alleged items, specifically the contract, note or other instrument bearing my signature. ), you must remove the fraudulent account. I never signed a contract, note, or other instrument bearing my signature. If the company can provide this information because it doesn't exist. Their failure to positively verify these accounts that I disputed on XX/XX/XXXX ( which has been beyond 45 days ago ), has hurt my ability to obtain credit and I desire it to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Equifax and XXXX regarding accounts that should not be on my credit report that have been reported as identity theft. The accounts have not been removed and the company has not provided documents to validate that these accounts do belong to me after requesting.
Product: Credit reporting or other personal consumer reports

I've tried to apply to a bank and was told that XXXX has a security freeze on my account. When i contacted XXXX they told me that there isn't a security freeze on my account and couldn't disclose why i was told there's a credit freeze. I tried to apply to a second credit union, who told me the same thing, that XXXX has placed a security freeze on my account. 

I want the security freeze permanently removed from my credit report and file at XXXX and XXXX
Product: Checking or savings account

XX/XX/XXXX, I was locked out of my mobile banking access, I tried logging in to the actual website and my access has been locked. I got a message to call USAA and speak to a representative. I was out on hold for 3 hours and no one from USAA answered my call. I was disconnected after 3 hrs and 40 minutes wait. I tried using my ATM card to pay for gas and my card got decline. I have over XXXX  balance on my checking so there should be no reason for my card to get decline. 

XX/XX/XXXX at XXXX XXXX, I called the debit card 24/7 customer number, the automated system could not verify me and was transfer again and was put on another 3hr wait time. No one answered. 

XX/XX/XXXX at XXXX XXXX  I called USAA again to asked why I cant access my funds, I was transfer again for another 3hr wait time. I cant purchase any gas for my vehicle and I cant but food and diaper for my children. I have a total of XXXX in my account and I cant access them. I dont know what to do since I dont own a credit card. All my utilities are due this week and all of them are tied into my debit card which XXXX cant access. Please help.
Product: Debt collection

i made last payment on loan XXXX XXXX i was later notified by family member XXXXthat World Finance had contacted them looking for me. I contacted XXXX and was told that I owed them {$15.00} dollars. I REGULARLY RECEIVE MAIL FROM THEM. Why did n't they contact me? My obligation for that loan was taken care of when imade last payment. It is showing on my credit reprots bas paid and also a balance.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a discrepancy I have noticed on my credit report, concerning an account that your organization currently manages ( XXXX {$2100.00} XXXX XXXX XXXX ) Recently, I had an opportunity to review my credit reports and observed that the balance reported for the account appears to be inaccurate. It has come to my notice that there exists a discrepancy between the balance as reported by your company and that as stated by Transunion Consumer Services Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request a correction of any inaccurate information on my credit report. Therefore, I kindly request that you thoroughly investigate this matter to ensure that the account information you report to credit bureaus is accurate and verifiable. 

If my dispute is valid, I would like to invoke Section 611 of the FCRA which requires that credit bureaus correct or delete inaccurate, incomplete, or unverifiable information within 30 days of a dispute. Accordingly, I request that you rectify this discrepancy and inform the [ credit bureau ] to delete this account from my credit report if it can not be accurately verified. In keeping with the regulations prescribed by the FCRA, I would appreciate it if you could provide me with an updated copy of my credit report once these changes have been affected. I understand that this is my right under Section 609 of the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/XXXX, i filed a complaint with the CFPB in regards to fraudulent inquiries on my Equifax credit report. The complaint number is XXXX, in which the CRA ( Equifax ) stated that the fraudulent inquiries would be removed due to their investigation into the matter. On the day of XX/XX/XXXX, I checked my Equifax report and noticed one of the fraudulent inquiries is STILL REPORTING FALSELY on my credit report. I am demanding, knowing my full rights that the following inquiry be immediately deleted : XXXX, from XX/XX/XXXX. Failure to do so will result in my rights given by the FCRA being violated yet once more.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$49000.00}
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer protection rights to my privacy and confidentially under 15 USC 1681. 

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 15 U.S.C. 1681 section 602 A. States I have the right to privacy, 15 U.S.C. 1681 section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ). 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

CONSUMER REPORTING COMPANY BLOCKING LETTER Date : To : Experian XXXX. XXXX  XXXX XXXX, TX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : I have never lived or used the following addresses or phone numbers : The following Account ( s ) do not belong to me : Account NameXXXX XXXX XXXX, XXXX. 
Account NumberXXXX Account NameXXXX XXXX XXXX Account NumberXXXX  This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Enclosures : Identity Theft Report FCRA Section 605B
Product: Debt collection

Midland management credit sued me for credit card debt, but they bought the debt, and when filing the lawsuit, they presented it incomplete, without important documents, such as the 1099-c, the authorization from the defendant where it is explained that she accepts the debt, my debt was with XXXXXXXX XXXX  XXXX not Midland management credit, they did not add the breakdown of the credit card expenses, they only added the total amount of the debt, they are accusing me of unlawful enrichment, but they are not proving how I became rich, because they did not send the documents to support the lawsuit, they did not send me a letter 5 or 6 days before informing me that they had bought the debt, and I have a hard inquiries on my credit report because of them, they know that debt was a charge off and was closed by XXXX XXXX and it reported the debt as a loss to the IRS. and they did not send me the document of the debt losses, and they are claiming in the lawsuit that they suffered losses when that part is not true.
Product: Student loan

XX/XX/XXXX : Called Navient to work on a different plan to lower my monthly payment, which shot up from {$170.00} to {$430.00} this month. Was told that there was nothing they could do unless my credit report showed stressed. 

XX/XX/XXXX Called Navient for private loan payoff amount to send to XXXX XXXX for refinancing options. Was told I would receive and email within 24 to 48hrs with this information. 

XX/XX/XXXX Never received the email with private loan payoff information, called Navient back with a fax number to send the info to. Was told they could not fax my information and They would resend an email within 24 to 48hrs.
Product: Credit card or prepaid card

On XX/XX/XXXX I attempted to make a purchase online with my card my balance available is XXXX the company will not process the payment for reasons unknown this is not the first problem encounter XXXX with Netspend my card was cancelled without my permission playing my direct deposit if my income taxes for a month The card was sent to the wrong address so I had to wait for another card from Netspend I paid XXXX XXXX and the money deducted from my card but XXXX XXXX never got the payment
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  account # s has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX # XXXX XXXX XXXX XXXX XXXX {$190000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX 09 XXXX  XXXX  XXXX XXXX  Last reported XX/XX/2020 {$160.00} XXXX  XXXX XXXX  Last reported XX/XX/2020 {$720.00} Reported balance Credit limit {$400.00} XXXX  XXXX XXXX Last reported XX/XX/2020 {$470.00} Reported balance Credit limit XXXX XXXX XXXX XXXX  XXXX Account Type Lease Balance {$470.00} Date OpenedXX/XX/XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Balance {$800.00} Date OpenedXX/XX/XXXX
Product: Mortgage

In XXXX of 2023 I tried to make a payment on the Carrington Mortgage Services , LLC App. I could not because the blocked my credit account for no reason. I called Carrington Mortgage Services, LLCs customer service to unblock my account they said they did and proceeded to place my monthly payment over the phone, that payment was processed successfully through the phone operator. Im trying to pay my monthly mortgage payment with Carrington Mortgage Services , LLC in XXXX and I can not because they are still blocking my Credit Account. They are blocking me on the App and on their Website. I can not make my mortgage payment on time while they are continuously blocking my credit account to make the payments.
Product: Credit card or prepaid card

I paid off my capital one ( Wal-Mart ) card on XX/XX/XXXX. I paid the balance of the account. I received a statement from Capital one that they did not post my payment until the XXXX. They are charging me {$28.00} late fee, plus interest. I reached out and spoke with a supervisor, and she told me they did receive my payment on the XXXX, but it was after their cutoff time, and that was why the late fee, and since they charged me a late fee, they are also charging me interest as well. I paid the balance in full, and it was made on the due date. I do not think it is fair that I made the payment on the due date, and I am penaltized with a late fee and interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Installment Loan from XXXX was Paid Off on XX/XX/XXXX. I closed my account shortly after. 

My credit report has yet to be updated to reflect correct balance / account closure. 

When contacting XXXX  customer support, my problem was not resolved. 

When disputing with Experian, the investigation led to XXXX refusing to properly update the credit report.
Product: Mortgage

I believe I qualify to get funds from Wells Fargo for improper handling of my mortgage back a few years ago. Sold the loan in the midst of getting a loan modification. Had to sort sell home to avoid foreclosure with new lender. 

Thank you
Product: Debt collection

portfolio recovery continues to call my work phone at XXXX for an invalid debt & was told to stop. they also contact my home phone @ XXXX after being told repeatedly to stop. Under the fair debt collection act I do not want any further calls at either number. they also continue to use phone dialing voip systyms to contact me multiple times a day after being told to stop. they have also reported this adverse information which is untrue to credit agency 's. further abuse & further contact will result in filing a federal lawsuit. every call is now being recorded & entered into court documents.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 

Please update my credit report as per law abiding accuracy of data.
Product: Mortgage

I applied to NewDayXXXX who has TV ads that promise help for veterans. they turned me down for the same reason that all the other companies did. despite the fact that I have a high XXXX credit score, have paid my mortgage for 40 years, XXXX on time payments, substantial assets, and was asking for a mortgage that is 1/5 the selling price of my house. guess they do n't want to help vets that much!
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX  # XXXX XX/XX/XXXX -- {$780.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$780.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX