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

Wells Fargo was notified that I elected to opt-out and I don't provide them authorization to report my mortgage to credit bureau XXXX They received a payment each month for a debt they have failed to validate. They received funds via XXXX that IRS approved. They still have not credit the account. I included bank confirmation for each payment for XXXX XXXX XXXX XXXX for which they said XXXX months were not paid. 

I also want my asset back security that is being hold by XXXX investment to be sold and the funds to be transferred to my personal XXXX XXXX. 

They have sent notification stating they were investigate the account and was expected to have complete In XXXX but was delayed to XXXX. However, they have not pause their payment due to a billing error. 
18 USC 1025 - lying, fraud, etc regarding any instrument, promissory note, etc.

18 USC 1348 - fraudulently getting money from transfer of an instrument or security 12 USC 504 - breaking fiduciary duties- $ 25,000- {>= $1,000,000} A DAY penalty ( this one has a multi-tiered system and the charge should be specific )
Product: Debt collection

I have a collection on my credit report that has bin paid off I paid the balance in full XX/XX/2020 It was taken of my XXXX  but still on my XXXX  and XXXX  I need this taken off ASAP as it is already paid in full the name of the collector is SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX originally 11 XXXX  XXXX  FORMERLY XXXX  Total Debt amount {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Mortgage

On XX/XX/XXXX Hurricane Ian damaged our home. The insurer did not pay us until XX/XX/XXXX, XXXX I sent Freedom XXXX drafts from my home insurer totaling {$100000.00}. Freedom Mortgage released {$40000.00} to us on XX/XX/XXXX. Freedom is holding the {$62000.00} balance and now refuses to release the balance after promising to do so. 

On XX/XX/XXXX, they sent an inspector to our home and documented that all repairs ( except the garage door replacement ) are completed. On XX/XX/XXXX a representative in their Loss Draft department called me. During that call I was promised the balance would be released promptly and I would receive the draft in XXXX to XXXX working days. Yesterday, XX/XX/XXXX I called Freedom and after speaking with a manager, I was told that a draft was not mailed because the representative I spoke with on XX/XX/XXXX did not have the authority to make the decision to release the balance. This was a shocker because the rep spoke with her manager to get the authority while I was on the phone. No one called or wrote to me to advise of the change in the decision; had I not called, I would not have known. I did all the repairs to the home with the exception of replacing the garage doors ( a very small percentage of the overall damages ). I sent them a self-repair letter as instructed but now that is not good enough. The manager I spoke with yesterday now has changed their procedures and is requiring that I send all receipts for materials and labor I have paid out of my pocket. This is a complete reversal of the original instructions. I am being asked to provide information that I do not have. Since I served as the XXXX XXXX for the repairs, I do not have a signed contract nor do I have lien waivers. If they are so concerned about liens on the house all they have to do is complete a lien search. 
Yesterday the manager told me that no further payment will be made. When I called the main number for Freedom, I was told that my issue would be sent to the Escallation Department and I would receive a call promptly. I have not heard from them. They have a very lengthy and ongoing history of doing the very same thing to many other customers.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, 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 am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt, in fact, therefore exist. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX score for this my mortgage company was reported to ve XXXX I have never missed a mortgage payment ever in the 11 years I have had it. It could also be that XXXX needs to be corrected as well because I never miss my credit card payments so this is the wrong score
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$5200.00} XXXX  XXXX Balance : {$3900.00} XXXX XXXX : {$300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX 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
Product: Debt collection

I requested documentation about the debt XX/XX/year> via email. Its XX/XX/year> ; I have not received any response yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX Social Security XXXX is XXXX My date of birth is XX/XX/XXXX My son 's name is XXXX XXXX XXXX My son 's Social Security Number is unknown to me My son 's date of birth is XX/XX/XXXX BOTH my son and myself are being incorrectly reported for XXXX  in delinquent debt after the lender Discover Student Loans settled the account and agreed it was paid in full with a lump sum payment of XXXX XXXX 
Our Discover Student Loan account numbers and balances in question, are as follows : XXXX XXXX Account number ending in XXXX, Attorney file ID XXXX, full account balance {$29000.00}, XXXX  % agreed lump sum settlement amount {$20000.00} XXXX XXXX Account number ending in XXXX, Attorney file ID XXXX, full account balance {$13000.00}, XXXX XXXX agreed lump sum settlement amount {$9200.00} XXXX XXXX  Account number ending in XXXX, Attorney file ID XXXX, full account balance {$5300.00}, XXXX XXXX agreed lump sum settlement amount {$3700.00} Settlement offer letters and acknowledgement of settlement received from Discover 's Attorney are attachments. 
Description of problem : I am a signatory on student loans for my son. There are XXXX loans. I paid off the balance of all three loans using a negotiated lump sum payment. Discover Student Loans agreed to accept a XXXX XXXX lump sum payment as satisfaction in full of the debt. This agreement was made through the attorney Discover Student Loans asked us to deal with, rather than direct with Discover Student Loans. The attorney that agreed to the lump sum settlement payment is XXXX XXXX XXXX, XXXX. The address of the office servicing this account for XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX MA XXXX. The telephone number for that office is XXXX. XXXX agreed to remove negative credit reports and report the XXXX accounts as paid in full. The settlement payment by me was in the form of XXXX bank checks from XXXX XXXX  made to XXXX and XXXX, with the account numbers written on the checks. The checks were mailed in XX/XX/XXXX, and the official settlement date is XX/XX/XXXX when XXXX received and deposited the XXXX checks. On XX/XX/XXXX Discover reported my account as a XXXX balance, delinquent, and a chargeoff, in violation of their agreement with me. We discovered the error in XXXX and contacted both Discover and the Attorney on XX/XX/XXXX. Discover subsequently removed the negative report and simply reported the account as closed and settled, with a XXXX outstanding balance. That correction was confirmed on my next credit report I checked on XX/XX/XXXX. Discover again reported me delinquent, the account as not settled and a chargeoff, which I discovered on XX/XX/XXXX. Once again this violates the agreement Discover made to consider my debt satisfied in full.
Product: Debt collection

On XX/XX/XXXX this company ( XXXX ) called my mothers phone and left her a message stating i was being sued and I needed to call some one name XXXX XXXX or I could be arrested. my mother called me so upset thinking I would go to jail. I called them and spoke with some one name XXXX XXXX he never identified himself as a debit collector.I told him not to call us any more and what was this about he said and account that was closed in XXXX and charged off in XXXX I told him I filed bankruptcy in XXXX so I don't have any thing from XXXX outstanding and this debit has never been on my credit, so your not telling the truth and you said you where a law firm so you would no you can't collect on any thing filled in a bankruptcy he then said I never said that i was an attorney or we where a law firm then said he can offer me a settlement of XXXX dollars I told him that I was going to report him and he hung up on me. This company called me again on XX/XX/XXXX and left a message stating they where a law firm and and to call the at XXXX. I called and told them to stop calling me again and ask for there address XXXX said the address is XXXX XXXX XXXX XXXX XXXX   XXXX and XXXX stands for XXXX XXXX XXXX. I could not find this company it say the address is a virtual mailing address. I have reported this to company to AG and all three burials and police. I feel like I am being harasses and and embarrassed and a victim of Identity theft because XXXX had my last for of my SSN.
Product: Credit reporting or other personal consumer reports

Checking my credit something popped up XX/XX/XXXX for best buy/cbna I have never applied or have a card through these people it look like its been open since XX/XX/XXXX or XX/XX/XXXX but just now popping up on my credit I called citi banks they said my ssn is not attached to anything but its showing up on my credit the amount they got approved for is XXXX  dollars
Product: Credit card or prepaid card

I guess I must have pretty good credit as I regularly receive offer for a balance transfer at 0 % APR. I received one in todays mail from Citi for a 0 % Promotional APR until XX/XX/2022 with a balance transfer fee of the greater of {$5.00} or 3 % of the amount of the transaction. 

I have 2 problems with this : 1 ) The banks seem to all be operating in lock step with respect to the transaction fee. I was under the impression that something called anti trust should prevent this degree of collusion.

2 ) The bank is clearly giving the impression that for the given period no interest will be charged when the transaction fee is an interest rate. OK, it's not an APR but is this kind of XXXX permitted? In Smiley v Citi when the shoe was on the other foot the bank successfully defended its late fee policy as an interest rate which therefore could not be regulated by the debtor 's home state. 

So I wondering if you people can suggest a remedy or even comment on what appears to be collusion and false advertising.
Product: Debt collection

In XX/XX/2022 I received a letter from United Credit and Collections stating I owed {$1900.00}, for a previous apartment. After several failed calls to the collection agency I decided to initiate contact through email and mail. On XX/XX/2022 I sent an email proving the charges were inaccurate. The collection agency then called and said the {$1100.00} charge was not for the original reason if me not giving proper notice to vacate but I was giving a $ XXXX for illegitimate military orders. I then advised that was not true and they do not have legal grounds to charge me a fee for that reason. The lease doesnt support that charge nor does the law. They still put it in my credit. I got it removed and the reinserted it again after I proved that they were wrong. She insulted me disrespect me and hung up. There are so many complaints about this agencys repeated offenses and they seem to go unheard. This has altered my business and my personal life dramatically and it is illegal. Please help us!!
Product: Checking or savings account

My identity was stolen ( social security card, drivers license and birth certificate ) by an ex girlfriend who no longer lives in the state of Georgia. An account was opened in my name at Bank Of America. I am being accused of fraudulent activies in which I know nothing about and was told I have to pay back money I never took or recieved. I have had 2 of my bank accounts restricted ( XXXX, XXXX XXXX XXXX XXXX ). My money was taken by XXXX without any explanation and the account was closed. My XXXX XXXX  account was restricted and closed. Now my XXXX XXXX account has been restricted as well after I deposited {$500.00} in cash into this account. I have disputed a claim with Bank Of America and was told it will take up to 90 days to resolve. This needs to be taken off my report as soon as possible so I am able to get a bank account for both my businesses. This is not fair to me and it's obvious these banks do not understand how easy it is for someone's identity to be stolen. I have had loans taken out in my name 3 times for {$10000.00} because of this situation I am in and is basically being told I have to pay to back. It has destroyed my credit as well. Please help me resolve this problem. I do not have proof other than my new SSI card and new drivers license because I did not file a police report. Not thinking a person I had living with me who I was taking care of would even do such a thing.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a request for Opt-out 15usc 6802-6805 was made as well as other request such as A request of Removal of student loan reporting.

For it is a violation of educational and privacy act which states school will not provide transaction history to any 3rd party Upon Family and Educational Privacy act of 1974 my legal rights were violated. 
Inquires as well was requested on XX/XX/XXXX to be removed per 15usc1681 permissible purposes Request to remove all original information except for current address XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX There is multiple addresses that is on my credit report that is a non mailable address Reporting agency was unable to provide me with where they got the address from as per Privacy Act 1974.

A charge off is reported on my credit report. A charge off is considered a Certificate of Indebtedness which means it is income and income cant be reported to credit report and must be removed. 
It is illegal to report transaction history.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have given me 14 lates on my credit report. We were informed they can not report late while in loss mitigation and XXXX, XXXX, XXXX, XXXX, and XXXX payments were never late and having proof we sent on time and they are still reporting us late. I have been fighting this for the past 6 months and the mortgage company will not correct these incorrect reporting. 
I have proof of everything as well.
Product: Student loan

I received a letter from XXXX XXXX / XXXX XXXX ( I'm not sure which, both are included on the letterhead ) dated XX/XX/2018, advising me that XXXX XXXX  is transferring the loan on XX/XX/2018 to American Education Services ( AES ). The letter states I need to begin sending payment to AES on XX/XX/2018. 

I sent my payment to AES on XX/XX/2018 using the account number provided on the letter I referenced above. 

In XXXX I began receiving past due notices from AES. When I called and indicated what I had done, they advised me the account I supplied ( which was the one on the letter I received ) did not exist. In fact, they said the account was not setup on system until XX/XX/XXXX ( yet I was told to begin paying them on XX/XX/XXXX ). They said they could not post the payment, were mailing me a refund check for the payment ( {$140.00} ),  and that upon receipt I was to endorse the check and mail it back to them. I questioned this approach, and asked if I should just deposit the check and make another payment. The rep told me not to do that, and advised that by endorsing the check and mailing it back in that would assure me that the payment was applied at the original time I made it. I called back one other time to get the mailing address, and reconfirmed with another rep that I should endorse and mail versus depositing and making a payment, and the 2nd rep affirmed what I had originally been told, so I complied. 

Subsequent weeks pass and I continue to receive past due notices in the mail, past due notices via email, and so I called back to check on the status of the payment being applied. I'm told at that time no one could find record of the check I mailed back in, and that the advice I had received to endorse the check and mail it back was erroneous. I'm also told that I have a late fee. 

After multiple phone calls, I finally received the refund check again on XX/XX/XXXX for the payment I submitted on XX/XX/XXXX. I deposited that check and made the payment of {$140.00} on XX/XX/XXXX. 

I called back today ( XX/XX/XXXX ) to ensure any and all late fees have been removed from my account. I'm told I have a total of {$10.00} in late fees on my account, and that a request for the late fees to be removed has been in process since XX/XX/XXXX. The fact that after having been through all of the above which is documented on my account and the lender can't credit {$11.00} in late fees over the course of 30+ days is absurd. 

I also learned that through the transition of this loan, that my minimum payment due has been increased by $ XXXX/month. That also doesn't seem to be a fair practice. 

As a consumer, I did nothing wrong, I did not ask for this loan to be transferred to another lender, and yet I've had late fees sitting on my account for 30+ days ( likely accruing additional interest ) and also somehow had my minimum payment due increased by $ XXXX/month. This is not fair business practices.
Product: Credit reporting

I had disputed XXXX with this agency in XXXX 2014 and they proceed to delete due to inaccurate information and improper reporting. Yet recently i have found this account reporting on my file again. this accounts is outdated, inaccurate, contain incorrect dates and status ' and is not reporting correct payment history. XXXX has no place being on my file. I asked the reporting agency for proof of investigation and their results and paperwork regarding how they verified these and let them remain on my report yet i have received nothing till this day. I am skeptical and certain that absolutely NO investigation was done to verify these derogatory marks. They must remove it if they can not honor my request to correct them and show me how they verified it and allowed it to be reported to my file. This account is inaccurate and they are affecting my life very negatively!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX on XX/XX/year> with a balance of {$670.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.