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

I am writing to DISPUTE the following archives that your company supplied to one or more Bureaus.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, absolute and passable adhering of Federal and state reporting laws and or appropriateness in your obeyant adhering to the mandatorily exercised credit reporting industrys necessary formalities namely the XXXX own XXXX detailed XXXX Formatted reporting without deviation ( s ), errors, nor omissions ofconsanguineal information that else better ensure integrity of allegations made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which potentially can have NOT been satisfied or suitably maintained. I further demand, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably principled reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are sufficing to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED.
Product: Credit reporting or other personal consumer reports

I previously had an issue with Transunion about getting access to my report. I am unable to get my score, every time a merchant tried to check my score they get a report saying score missing, and this in tern gets me a denial for my what I am trying to purchase at the time. I have been at this for more than a year with them to no avail.
Product: Credit card or prepaid card

I am XXXXyrs old and I receive social security every month on the XX/XX/XXXX of the month because I have XXXX XXXX I use direct express to receive my money every month an I have used direct express for about 6 yrs or so well this month on XX/XX/2019 I went to pay a bill and my card was declined so I called direct express an it said we are experiencing high call volume please stay on the line or if I was expecting a payment an did not receive it to call my payee witch would be the social security administration everything was fine with them my money was posted like normal. They wanted me to try to get in touch with directexpress I waited for 3 hours on hold just to get hung up on an here it is XX/XX/XXXX an still can't get in touch with directexpress an still no money I depend on that money that is the only income I receive because of my XXXX an I have bills to pay and I think there's definitely something strange happening so I read some other people 's review 's an comments about direct express an some people were saying they got a whole month of their income an could never get it an was getting a lawyer I could never afford a lawyer an this is not right by no means I can't eat or pay my bills I sure hope I can get my social security money soon I have nothing thanks
Product: Checking or savings account

I have opened an account XXXX weeks ago and deposited our New Mexico income tax check they had put a hold on in for 7 days they released XXXX out of it was supposed to release the other XXXX on the XXXX of XXXX now being said they are trying to keep my funds but in that time I had deposited XXXX checks that came back as returned which I took care of that with the money that was released so I paid off those return checks now they are trying to hold my money and close my account
Product: Mortgage

I submitted a Qualified Written Request via US Mail to inquire why Freedom Mortgage is requiring an abnormally high amount of Property Tax to be held in Escrow. I received no response. I also received no response when contacting their 'Customer Service ' telephone number. 

I have attached Fig. 1 - County Assessment & Tax Bill Fig. 2 - Tax Rate which falls in the Municipality of my property address. 

Freedom Mortgage needs to disclose where they are getting their numbers from. Freedom is requiring upwards of 3 times more than any current County Tax Bill I've received to be Escrow-held when I received a sizable Escrow refund from Freedom recently in XX/XX/2023. 

There needs to be an explanation backed by supporting documents, and Municipality Notices of Assessment, to justify such a high amount related to Property Tax Escrow amounts held, as indicated in their most recent Escrow Analysis. 

Please investigate & resolve. Thank you.
Product: Debt collection

Received court summons on XX/XX/21 without prior notice and proof of claim, requesting that the office provide me with competent evidence that I have any legal obligation to pay. 
Request VALIDATION pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Product: Mortgage

RE : Complaint # XXXX filed with CFPB on XX/XX/2017. 

CFPB closed my complaint in error after receiving a response from Wells Fargo in error. The response provided by Wells Fargo only provided information regarding the terms of the HELOC. The concerns provided in my complaint were not addressed. 

The subject of my complaint were not addressed in their response. My complaint referred to payment installments of XX/XX/XXXX and XX/XX/2017 where the entire payment was only applied to principal. In reprocessing these payments, serious errors occurred and they said the XX/XX/XXXX payment was pass due by 23 days and that the XX/XX/XXXX payment was still due. Wells Fargo also notified the credit bureaus of the past due amount. Refer to the information initially provided in this complaint. 

Please either reopen the original complaint ( above number ) or open a new complaint to address the errors and issues by Wells Fargo that were never addressed in their response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Miscellaneous Repta. Agencies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX and XXXX & XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX Banks and XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX Financing Company XX/XX/XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian just keeps saying that I have already disputed the issue with XXXX XXXX, the problem is that they have 4 different accounts listed, when it should only be two. They are allowing them to have duplicate accounts with the same account number and 3 different amounts. I told them to correct the amount and remove the duplicates. All they keeps doing is saying I disagree with the information, but no one is looking at they fact that this was a debt bought and they have the wrong amounts and are able to have it on my report 3 times.
Product: Debt collection

I am writing to formally lodge a complaint regarding an erroneous collection account that has appeared on my credit report. I have reviewed my credit report in detail and have identified this account as inaccurate and potentially damaging to my credit profile. 

XXXX Accounts- Amount : {$750.00} Amount : {$490.00} Nature of Complaint : Incorrect or unverified collection account Explanation of Complaint : The collection account referenced above does not accurately reflect my credit history. I have no recollection of this debt, and I firmly believe that this account has been reported in error. I am unaware of any debt that would result in this collection, and I request that you investigate this matter thoroughly. 

While I do not possess specific documentation related to this account, I am entitled under the Fair Credit Reporting Act ( FCRA ) to have any inaccurate or unverified information removed from my credit report. As part of your investigation, I request that you verify the accuracy of this account with the original creditor. 

If the account can not be verified, I request that it be removed from my credit report immediately. The presence of this erroneous collection is unfairly affecting my credit standing, and I trust that this issue will be resolved promptly. 

Please provide me with the results of your investigation and an updated copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. I look forward to your timely response.
Product: Credit reporting

My XXXX XXXX account has a credit limit of {$2500.00}. I have disputed this directly with Equifax twice and their update states my credit is {$650.00}. The other credit bureaus are reporting the correct credit limit. XXXX XXXX has the {$2500.00} credit limit in their records.
Product: Credit card

My husband and I have had a credit card account with Macy 's for many years. As with all of our accounts, we have NEVER kept a balance with Macy 's and our credit scores are in the exceptional range. I received notice from my credit monitoring company XXXX that they found a negative report on our credit from Macy 's. We had made a purchase three months prior that we were never billed for, and were unaware we had a balance. Upon discovering this we paid it immediately and requested that the negative report be removed because we had never been billed. The Consumer Credit department personnel were unprofessional and practically hostile to our request. Rather than recognize from our long standing payment history that we were unaware we had a balance, they would not accept our honest account that we had never been billed. This was predatory and Macy 's needs to remove the negative report from my and my husband 's credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$17000.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I returned the defective vehicle within the time allowed under the Lemon Law. The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to collect. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Mortgage

CFPB CASE NUMBER XXXX WFHM sent response to case and provided contact person name and number her voice mail states will call back within 24 hrs I've now left two messages for her and she refuses to respond XX/XX/XXXX and XX/XX/XXXX, voice mails left for her including the cfpb case number please help in simply getting the assigned contact person to respond here is here info listed from WFHM contact response letter they sent me XXXX XXXX XXXX ext XXXX thank you
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report. This entry is both incorrect and unjustified, as I have an official letter from the court clearly stating that this bankruptcy should not have been reported. The courts documentation confirms that the bankruptcy does not meet the criteria for inclusion on my credit file, making its presence not only inaccurate but also a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with the Credit Bureau Equifax, XXXX and XXXX. There is a collection company called XXXX XXXX XXXX XXXX that was moved off my credit report last year with the same account and same balances that the company did not provide or have validation for. They were trying to collect on an account that was suppose to be sent to Medicaid because I am XXXX and receive medicaid. This company was removed last year and it is illegal for the credit bureaus to put this back on my report. I don't know if it's a miss up due to the Equifax breech, but this needs to be investigated and removed. Or I will seek legal counsel.
Product: Vehicle loan or lease

In XX/XX/XXXX I came to the United States for the first time and I spoke no English. Shortly after I met XXXX XXXX. In XX/XX/XXXX we were struggling to commute to work so he told me he needed help asking for a loan because the chances of us getting a loan with two incomes would be higher. I was new to the County so I was not really sure how it worked. XXXX XXXX made me sign the paperwork after I expressed I didn't think we could afford it. Shortly after we broke up because of financial problems and he kept the vehicle with VIN # XXXX. Shortly after I found out he stopped making payment to California Auto Finance because I kept getting calls treating me to pay all the balance or I would be sent to collections. I did not understand what was happening and I kept explaining that my ex was the one that kept the vehicle and not me and the loan was under his name ( I have copies of the coupons with his name ) the calls eventually stopped and I was sent to collections. Eventually I found out the Vehicle was repossessed. I tried to settle the debt in XX/XX/XXXX but the California Auto Fianance kept demanding the whole amount even with the vehicle in their possession. They recorded the debt and the collection in my credit report even though I tried to settle and I was forced into cosigning.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions + have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I had a man helping me with a loan modification. XXXX XXXX. I have had a lot of medical problems, and cant get out like I use to. I am XXXX. He was supposed to be talking with Shellpoint Mortgage about my situation. We didnt get the paperwork in on time, I guess due to my health and having laryngitis for XXXX weeks, who I actually have again. Shellpoint wouldnt even listen to the medical problems, which I can produce papers for. They kept saying, we TRIED to get up with her. I didnt have a phone, but a certified letter would have helped. I didnt realize I was even that far behind. I have been in my home for XXXX  years. My husband passed almost XXXX  years ago, and I seriously dont have anyplace to go. 
XXXX XXXX kept saying he was sure he could get the modification. I only owe about {$40000.00} more. I wasnt told by the mortgage company about anything I could have done to save my home, in fact, I wasnt told by anyone. I have looked up Shellpoint and they have a XXXX star rating. They have only helped about 2 % of their customers. With the prices going up, and my medical bills constantly climbing, I feel they were very unfair in even trying to give me suggestions or sending me information regarding the foreclosure. Now at XXXX I will be on the street for the first time with my fur babies. By the way, XXXX XXXX hasnt even tried to contact me with any other suggestions. He kept telling me the loan modification was my only choice. There werent any government programs with money to help, I couldnt file bankruptcy, or really do anything else unless I had XXXX family members who could loan me the money. I trusted the wrong person and mortgage company. Now, it has been auctioned off, and I was told by an attorney I had XXXX  days to do something. It was auctioned off on the XXXX of this month, which once again I had/have Bronchitis with laryngitis. Plus, I had one guy that forged my name to his contract. I have really been through it since my husband passed. I am putting in a complaint against Shellpoint, and trying to see if I have any options at this point? I have tried to get in touch with the Legal Aid of NC, but I cant ever get them, and they havent responded to my online application. Please help. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Debt collection

XXXX XXXX XXXX had filed a law suit against me back in XXXX i wan na say for old credit card i had back in year XXXXOk the files a court order to collect on that old chase card which was i wan na say close to XXXX. Well they did won because i because i did not go to the hearing. In year XXXX i had resign from my job so then they try to collect from my bank account which they only got XXXX dollars out of it. They been trying to collect from that credit. Well in year XXXX again sue me for XXXX and they won so i just let them collect. They been a pain in XXXX  XXXX for awhile. Ok i am almost done from paying this credit off which the credit was now a little bit over XXXX which the court costs and everything. Now i get a letter from then stating that they went to court which i thought it was paper to lift the garnishment. No now they are trying to charge me interest on the debt which is the amount of XXXX. My friends told me that can not do that and i read on this too and they are right this company can not do that on old debt. I know they just trying to get more money out of me and that is why i need to know when i can do because i did call and they were rude and told me that was interest on the debt. Can you help me please.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled ONLINE INFORMATION SERVI Account # XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Mortgage

This is the letter I sent to DiTech : Ditech Financial LLC XXXX, SD XXXX To Whom It May Concern : How unhappy am I ... let me count the ways. This is the most awful, inept mortgage company I have ever dealt with. 
1. When I would send in additional principle as part of the free automatic payment the funds would not be applied properly until I called to complain. 
2. I sent in a payment one month and the processor misread the check, charged me a {$1000.00} over what I sent in, then argued with me that it was my fault. I eventually had to talk to a supervisor who said I was correct and the clerk misread the check. 
3. I sent in additional principle funds another month and it was applied to my next month 's payment, even though I specifically filled in the payment instruction portion of the statement with my check. 
4. I asked for the name and address of the CEO or President and was told they could not give me that information. 
5. Last year Ditech paid my hazard insurance late and I had to pay it myself to ensure there would not be a gap. 
6. Your company paid my flood insurance without my permission. It is an arbitrary insurance which is my responsibility not Ditech 's. 
7. If I wanted to pay my monthly payment online I am told there is a {$12.00} charge. This is the first company I 've dealt with ( and I 've dealt with a lot ) that has charged to have me give you money. When I inquired about my payoff amount which is {$940.00}. They want to charge me over a {$1000.00} for escrow even though I will not owe any more principle. 
If I ever have another reason to take out a mortgage, I will ensure that my mortgage is never sold to Ditech. I would appreciate a response. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XXXX I got scammed out of {$2200.00} from a person who was selling an XXXX gaming console through an app called offer up. 
This person was selling the unit for {$150.00}. I agreed to purchase the unit for {$150.00}. I asked for the pick up address and the address was XXXX hours away. I live in XXXX XXXX and the address was in XXXX XXXX. 
I agreed to pay this person trough My mobile banking using XXXX. ( wells Fargo ) I sent a payment of {$150.00} to this person. 
Immediately I received a message back from this person saying that he accidentally had refunded the {$150.00} back into the account. He sent me an email with a message coming from his XXXX XXXX XXXX stating that the money was being refunded. I made another transaction of {$150.00} through XXXX thinking the money was actually being refunded. After, I received a second text message saying to check my email again because he accidentally had refunded {$1500.00} back to my account instead of {$150.00}. 
After this point I kept getting calls telling me to return the XXXX. 
I got calls telling me that if I did not send the money back they he was going to call the police. 
I felt I had to return the money because my intention was to purchase the XXXX XXXX  for {$150.00}, not to steal his money. This person used different names for this transactions because his account was locked after sending the {$1500.00} by accident. The names provided were XXXX XXXX {$750.00}, XXXX XXXX {$750.00}, XXXX XXXX {$400.00}, and XXXX XXXX. 
I bank with WELLS FARGO. 
I called Wells Fargo so they can stop the Transactions and they told me there's nothing they can do. 
I have called and filed a few reports with Wells Fargo and it seems they are not helping me to recover my lost funds. The only thing they did was to help close my account were the money came out from and I opened a new account. 
I have called XXXX as well and they tell me is Wells Fargo who i have to call and Fargo tells me to check with XXXX. 
Wells fargo reps tell me that there's nothing they can do because they treat it as cash transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 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