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

Lender failed to notify me of reinstatement of loan payment since COVID. Several state moves had been made since XXXX and contact info was outdated. Loan payment became due at turn of the new year, XXXX without my knowledge. Was reported 90 days late and my credit score dropped nearly XXXX points. We were in the process of buying a home and are now ineligible. We only found out because our mortgage loan XXXX ran my credit again to update our file and informed me of the delinquency. I immediately contacted XXXX, paid the balance and brought account to current and enrolled in auto draft for future payments. After explaining the situation, they remain unwilling to provide a one-time courtesy in removing the derogatory report. I have a new baby girl, born XXXX. My rental lease is up XX/XX/XXXX and I have no means of securing a mortgage or a rental due to poor credit now. This is unacceptable and fully lacking of compassion and mercy.
Product: Credit card

I was offered this Credit card through XXXX with outstanding approval odds. 
I checked for an annual fee and there was none. To my surprise I was just charged {$39.00} annual fee. I am sure that this was supposed to be annual fee fee card. I would not have accepted it otherwise, that was an incentive for signing up.
Product: Debt collection

I was laid off by XXXX XXXX XXXX ( US ) XXXX in XX/XX/XXXX. I signed severance package offered by the company and separated from XXXX. Per mutual understanding between me and HR representative, I will not have any monetary claims against the company and vice versa after I signed agreement. Any previous employment agreement between the parties, including the Existing Employment Agreement is considered null and void after my last day with XXXX. 

After the company appointed tax preparer, XXXX, filed XX/XX/XXXX tax return on behalf of me. There was tax refund due to me. XXXX wants the refund forward to them as this would be the case if I was still employed by XXXX. I disputed XXXX 's claim and requested them to provide me evidences to support the claim. I never got any response. 

XXXX HR then notified me that this is considered a debt and it will be sent for debt collection. I notified XXXX HR service desk that this is not a valid and it was in dispute. Recently in XX/XX/XXXX, I got a letter and emails from Cedar Financial who informed me that XXXX XXXX has sent disputed debt for collection. I requested to provide me with supporting evidence that shows I owe the debt. I was provided with same information XXXX HR had provided without proof that I owe the debt.
Product: Credit reporting or other personal consumer reports

I request that XXXX investigates my case and removes incorrect information that was noted on my credit scores. XXXX claims that my payments were not made on time and the account was noted as a loss with a " Chargeoff '' and " Repossession '' - all my payments were made ahead of schedule as shown in documentation provided and statements issued by XXXX that show no outstanding balance or late fees. In fact, XXXX just issued me a refund on XXXX for the sell of the car which shows that my account was not at a loss. Also, on calls with XXXX from the XXXXXXXX XXXX  XXXX Department, she confirmed that XXXX issued repossession due to internal paperwork ; not because I defaulted on my account. XXXX was aware of the ongoing issues with the party at fault not responding to damages of my totaled car and was aware of the separate lawsuit that was filed. While the lawsuit with the party at fault was ongoing, XXXX asked to pick up the totaled car from storage to auction it off and the sale price would be credited to my account- the agreement was for XXXX to pick up the car and I would continue to make my payments so that XXXX would not report anything to the credit bureaus ( as noted in total loss statement from XXXX and provided in documentation ). I did not default on this promise and XXXX has not kept their word and instead issued negative derogatory marks on my credit scores. XXXX from XXXX has not responded in writing to my XX/XX/16 email ( email provided in documentation ). XXXX has misled me and has not held their end in following their due diligence. They need to own up to what they agreed to on phone calls and remove all negative derogatory marks on my credit scores.
Product: Debt collection

I closed my account out with XXXX  and was told to pay the final bill. I paid the full amount and the account was closed. A month later, I was notified that there was a new statement after the account had been closed. 

I went to login but could not because I had my number with XXXX now and couldnt verify a code to login. Later I received a notice on my credit report that this amount was sent to collections. 

I called the collections agency, they said I would have to talk to the creditor to get some kind of resolution letter. I talked to XXXX and they said they would take care of it that the bill was a pro-rate that happened after I had closed the account and I couldnt login to even know to call them. 

The entry was under another collections agency, but they REMOVED IT OFF OF MY REPORT. 

Now today on XX/XX/2023 it has shown up under CREDIT RESOURCE MANAGEMENT AND KNOCKED MY PERFECT CREDIT DOWN XXXX POINTS!!! I reached out to the company but they didn't offer any help. 

This is not fair. I paid that account off and closed it!!! I don't owe them anything!!!! 


Your payment summary The payment you have made for XXXX XXXX phone number/ Account Number XXXX is complete. 

Here are the details : I believe this is my payment information. I can not get and could not get into the account so I dont know. 


Payment Amount : {$150.00} Payment Method : XXXX ending in XXXX Reference Number : XXXX Account information and activity can be accessed on the XXXX XXXX app or at XXXX XXXX. XXXX XXXX for Business customers can access account information at XXXX XXXX.
Product: Money transfers

I initiated a wire transfer on XXXX/XXXX/15 through discover bank. I did not receive a receipt for this wire transfer upon payment, and after calling and requesting a receipt, I was told it would take a few business days for them to mail me a receipt, which is in direct violation of terms set forth for a wire by cfbp. The wire has still yet to be received by the recipient, nor has it been refunded to my account. I would like the wire to either be completed or refunded.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Charged Off a Credit Card Debt in XX/XX/XXXX. I have requested XXXX XXXX  to send me a XXXX C for the Charge Off Cancellation of or Forgiveness of Debt in Accordance with Internal Revenue Service XXXX XXXX and the XXXX Form provisions for the cancellation of the Debt. I have sent correspondence on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of this Filing I have not received any forms for the filing of personal taxes.
Product: Mortgage

My Mortgage was being serviced by prior servicer and my payment amount was {$2600.00} ( P & I {$1900.00} esc {$690.00} ) my loan then transferred to Wells Fargo on XX/XX/XXXX. 
An XXXX was not ran until XX/XX/XXXX indicating my payment amount was increasing to {$3100.00} ( XXXX XXXX XXXX XXXX$1900.00} XXXX {$1100.00} ) a difference of {$450.00} and reflecting a shortage of {$3100.00} which is a significant different causing a financial hardship. 
I then received another XXXX ran XX/XX/XXXX indicating my payment amount was decreasing to {$3000.00} ( XXXX XXXX XXXX  {$1900.00} XXXX {$1000.00} ) a difference of {$71.00} and reflecting a shortage of {$2300.00}. 
A billing statement was then sent to me XX/XX/XXXX reflecting an escrow balance of {$3000.00} the next billing statement was sent XX/XX/XXXX reflecting an escrow balance of {$4200.00}. 
I called and spoke with Wells Fargo on XX/XX/XXXX and spoke to a lady named XXXX. She advised the increase of payment was due to the taxes which were {$4100.00} and increasing to {$4700.00}. Which a {$600.00} increase does not call for that much of a shortage. she also advised the XXXX was also collecting for a shortage from the prior servicer which Im assuming is from about XXXX years ago since my loan just originated in XXXX. Wells offered to do a escrow shortage spread of 24 months making the payment total {$2900.00} which I denied. 
Per CFPB guidelines and from my experience an XXXX should have been ran within 60 days of XXXX acquiring the account. Whatever the amount of that shortage was prior to XXXX would have been caught at the time of the XXXX and not creating so much of a hardship now. Since this was not completed it has doubled the escrow portion of my mortgage payment. 
I also noticed there was a 2 month cushion included in the XXXX. Why is there 2 months and just not 1 month? I also did the math ( below chart ) with the current escrow balances and at the rate we are going I will have an escrow balance of {$13000.00} in the account when disbursements total XXXX {$10000.00} per the XXXX leaving an escrow balance XXXX {$2800.00}. When another XXXX is ran in XX/XX/XXXX the escrow balance will be {$5100.00}. which would then be refunded as a surplus. 
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 These miscalculations which there was an error since an XXXX was ran months apart from each other and the failure to run an XXXX within 60 days of acquiring my account has led to financial hardships with a large increase in my payment.
Product: Debt collection

HI - WHY??? : Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I got my credit report online and realized XXXX, Experian and XXXX XXXX are all reporting the same account twice. Once for the Original creditor ( XXXX XXXX ) and once for the XXXX XXXX ( XXXX XXXX XXXX ). I am aware that no account should be reported twice or duplicated on my credit report. 

On XX/XX/XXXX I mailed my dispute notifying each of them of this error. When my online account updated on XX/XX/XXXX, I see that both accounts are still reporting.
Product: Credit reporting or other personal consumer reports

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

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


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Navient since 2010 allowed me to continue forbearance without proper counseling of repayment options. I've since accumulated so much interest that I owe XXXX on a smaller debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX finance has on my credit report a repossession when I have my title and receipt of full payment of the car
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

Ive been a victim of identity theft this fraudulent accounts does not belong to me.. see police report
Product: Mortgage

The originator for my re-finance is taking an extraordinary amount of time to complete the process. It is now at 104 days after having submitted my paper work to initiate the refinance and the originator has missed several planned re-finance completion deadlines that they have scheduled.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the fraud alert on my accounts XXXX XXXX and equifax
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX [ ] [ XX/XX/year> ] Wells Fargo XXXX XXXX XXXX ] [ XXXX XXXX, SD XXXX ] Subject : Request for Removal of Account Due to Identity Theft and FCRA Violation ( Account No. Ending in XXXX ) To Whom It May Concern, I am writing regarding the account referenced above, which Wells Fargo claims is in my name, XXXX XXXX. This account is the result of identity theft, and I have already provided documentation supporting my claim, including police and FTC reports. In accordance with the Fair Credit Reporting Act ( FCRA ), I requested proper validation of the debt ; however, instead of providing appropriate documentation, you sent a bank statement. 
A bank statement does not satisfy the validation requirements under FCRA. I have not received any documentation showing that : This debt was incurred by me personally ( e.g., a signed contract or agreement ). 
The details of how the amount was calculated. 
Evidence that this account was lawfully opened and maintained by me. 
Because Wells Fargo has failed to provide proper validation and because this debt is the result of identity theft, I am formally requesting the removal of this account from my credit reports with all credit bureaus immediately. I am also requesting that any and all collection efforts related to this account cease. 
Failure to address this matter and remove the account is a violation of my rights under the FCRA, and I reserve the right to pursue further legal action if necessary. 
Please confirm in writing that the account has been removed within 30 days of receiving this letter. 
Sincerely, XXXX XXXX [ Account No. Ending in XXXX ]
Product: Credit reporting or other personal consumer reports

I am submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXXXXXX 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 EQUIFAX 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Please verify these accounts and inquiries, as they contain incorrect and unauthorized information. 

Accounts : 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

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting

A credit card application was attempted with XXXX on XXXX XXXX. I have filed a fraud report with them and would like to have this hard credit inquiry removed from my account. I did not authorize this credit card attempt.
Product: Debt collection

Credit Management LP XXXX Disputed unpaid XXXX XXXX collection {$240.00}. Please initiate a consumer complaint against this agency
Product: Debt collection

On XXXX/XXXX/16 I received a phone call stating that I owed {$1800.00} to GLA collections regarding a debt from XXXX XXXX. XXXX the representative stated that many letters had been sent to my home address. No letters were ever received. He said he would send out a new XXXX. A week later I received the letter stating the debt, there is no remedy to dispute the debt on the letter nor any policies of GLA collection services for the state of New York on either the front or back page of the letter. I wrote to the address listed on the letter and sent it to them certified mail disputing the debt as it is not accurate. On XXXX XXXX I received the mail certification returned to me stating " return to sender undeliverable ''. 

On XXXX/XXXX/16 I called XXXX at GLA collection services and asked if they had received my letter and they said they had although I have proof from the USPS it was n't delivered. He then stated that an associate in charge of sending out the itemized debt was sick and thats why I had not received the itemized debt statement. I told them that I do not trust any letters that they sent because like the original collection notice they claim was sent several times, the itemized letter was not sent. I also stated how unprofessional it is to tell someone who is disputing the debt that because an employee is sick is the reason why the letter was n't sent. He assured me that the letter was going out XXXX/XXXX/16, today is XXXX/XXXX/16 and still no itemized letter has been received. 

I also asked him that until we could resolve the debt and amounts, GLA should remove the item from the credit reports, he stated that was not possible. He said just pay the debt and we can remove it.
Product: Credit reporting or other personal consumer reports

I am a XXXX trafficking survivor and these accounts aren't mines please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes across all 3 credit bureau 's and have not received a response. it has been 3 months since I filed my initial complaint. All I ask is that these fraudulent transaction be investigated and deleted from my credit report.