23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2021, my mortgage was transferred ( sold ) to Nationstar dba Mr. Cooper. On Saturday, XX/XX/2021, the new mortgage servicer ( Nationstar dba Mr. Cooper ) withdrew {$12000.00} from my primary checking account without authorization. According to my bank ( XXXX XXXX ), this is a widespread problem affecting lots of Nationstar Mr. Cooper account holders. Unfortunately for me, thanks to Nationstar Mr. Cooper, I now have a negative balance in my checking account of over $ XXXX that I have to deal with. I'm reasonably sure that there are laws that don't allow debt holders to withdraw funds without authorization, which is exactly what happened here. Please note that I am current on my mortgage in all respects : No late payments ( ever ). Plenty of funds in the mortgage escrow account, etc. All taxes and insurance premiums are paid up, etc. No other liens are on the property. My standard monthly payment is just under {$1900.00}. So needless to say an unauthorized and unexpected withdrawal of {$12000.00} from me to Mr. Cooper warrants a complaint and an investigation.
Product: Checking or savings account

I banked with Wells Fargo in XXXX Texas .... I was offered an advance loan with my first stimulus payment and I am XXXX years old and was advised I could pay it back ... ... I never asked for this advance loan ... ... .and then never received anything about this advanced loan from Wells Fargo Then I got my second stimulus check for {$1200.00} and it was in my bank account and I went to withdraw it .now on XX/XX/XXXX, XXXX And my account is the negative for {$1800.00} ... I never use this account ... 
Then when I call them they said i should of never received the stimulus check for {$1200.00} ... ... 

I do not understand..why Wells Fargo is doing this ...
Product: Vehicle loan or lease

have had financial hardships from losing both of my parents last year in XXXX and XX/XX/2021 then having XXXX late XXXX of which I am still recovering and unable to work. Today, I called to speak with the original person assigned to my file, which is XXXX XXXX at XXXX. XXXX. When speaking with XXXX XXXX who was extremely rude to begin refused to transfer me over even when I provided him the extension. He advised that she was not assigned to the account. When I asked who was assigned to the account, XXXX XXXX intentionally disconnected the call. 

Let me be clear, I can not help catching XXXX. I did not create this pandemic, I like the rest of the county are simply navigating through. I am still recovering and no one outside of XXXX XXXX has been helpful in any capacity with my issue. Every other person is rude, and hang up when I ask them to identify themselves. When they call you and you request to know who's calling, they hang up. This is borderline harassment. I have a right to know whom I'm speaking with in regards to any manner I am contacted that concerns me. Ally had not worked with the consumers despite the pandemic where we are financially harmed because of XXXX, despite or previous payment history with them. 

To assist me in becoming current despite my being unable to work, I am asking that all late fees and other fees incurred during this time of illness be waived and that Ally will work out a payment plan for me to become current. I am also asking that my file remain with XXXX XXXX until I am brought current.
Product: Credit reporting or other personal consumer reports

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation XXXX of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to block the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Affirm reopened my dispute after I filed a dispute with you all. The recently closed it after trying to contact the same merchant I was unsuccessful in reaching. I expressed to them I uploaded supporting documentation to show no tracking, no history of shipments, no evidence of any kind for the item. After a month of them trying they tell me they are sorry but its not they can do but advises me to keep trying to call them something they could not make successful and something I've been doing for over a yr now. This is unjust that these companies are allowed to place anything on your credit without true evidence. You'd think they would want to also protect their loans/investment but I guess not please help me get justice for this this is soooooo unfair.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an accounts opening date on my credit report with XXXX And XXXX Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : OFFICE OF THE ATTY GEN XXXX Balance : {$7500.00} ; ATTYGENERL XXXX Balance : {$7300.00}.
Product: Credit reporting or other personal consumer reports

Trans Union has failed to fulfill its legal obligation under the Fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. Both XXXX and XXXX have been sued by the CFPB for sham investigations. 

These failures align with my experience, where Trans Union has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove disputed accounts, as Trans Union inaction violates federal law and my rights as a consumer. 

These are the reports that I have disputed Collection Account name and number : XXXX XXXX XXXX XXXX ( CO ) Collection Account name and number : XXXX  XXXX XXXX XXXX ( XXXX ( CO ) Collection Account name and number : XXXX XXXX XXXX  XXXX ( CO ) Collection Account name and number : XXXX XXXX XXXX  XXXX Collection Account name and number : XXXX XXXX XXXX XXXX Collection Account name and number : XXXX XXXX XXXXXXXX XXXX ( CO ) Collection Account name and number : XXXX XXXX XXXX  XXXX
Product: Prepaid card

On my XXXX XXXX XXXX there were charges and fees i didnt recognized or make myself and they my information without my knowledge illegally.
Product: Debt collection

Company ( XXXX ) This company has been mailing me notices of debt, amount ( {$1200.00} ) that I do not recognize. This account has been reporting a past due balance, and is currently reporting open and inaccurately. I do not know this company and have not done business with this company nor does this company have my signature on a contract & failed to provide one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a charged off a car loan that doesn't belong to me. I have reached out to them multiple times as well as the 3 major credit bureaus. I haver asked to see the persons ID and the signed contract this has gone unanswered. from 3 credit bureaus and XXXX. the amount they claim I owe is XXXX XXXX {$7500.00}
Product: Payday loan, title loan, personal loan, or advance loan

Ordered on line from XXXX, XX/XX/year> they provide a pay plan thru Klarna/XXXX XXXX XXXX every 2 wks. 4 payments ( {$22.00} ) for a total of {$89.00}. You authorize the payments when you order, paid thru checking acct. Their system duplicated an UNAUTHORIZED order. Then sent me emails demanding payment.I contacted XXXX, they sent me a return label & I returned the unopened 2nd order. They confirmed receipt. approx. XX/XX/year>. I Contact Klarna ( phone ) explain what happened. They Refer me to XXXX, who tells me to contact Klarna.. I spent months ( phone calls, emails to Klana ) no change.. To this day I am receiving threats from Klarna/XXXX for payment. My original order was paid off as usual .recived email confirm of final payment from XXXX XXXX XXXXXX/XX/year>. I am a XXXX no credit card & have developed a credit line with vendors thru this on line system with no problems. Since this error they have blocked my ability to order from anyone, not only from them but numerous other plans..I had an excellent rating & ordered easily from numerous vendors until they fraudulently placed a stop on my online credit line..They also go by 3 different names ... Klarna, XXXX XXXX XXXX. Loan # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a new complaint I am filing regarding Equifax credit bureau for verifying inaccurate information appearing on my credit report. 
The dispute pertains to a120day late payment being reported by XXXX XXXX # XXXX in disregard of Metro 2 reporting guidelines which furnishers of consumer credit information must use. 

Metro2 provides no codes that would enable collection agencies/debt buyers such as XXXX XXXX to report late payments. 

Additionally, I have never had an account with XXXX XXXX that would enable this company to report late payments on my credit report. 
Therefore, I disputed this information under FCRA 611 and Equifax wrongfully verified it.I believe it could have been facilitated by an automated response system.

However, I am keeping careful records in case I have to pursue legal remedies. 
I want this erroneous, inacurate information DELETED immediately.
Product: Debt collection

I received a letter in the mail from Halsted Financial Services ACT # XXXX and ACT # XXXX on XX/XX/2022. I opened the letter and realized this was a debt collector from yet again another debt collection agency that I just complained and tried to dispute. XXXX XXXX has resold my account as if they are the original creditor and they are not. I never gave XXXX XXXX  or HALSTEAD FINANCIAL SERVICES my written instructions to furnish my account at all. 15 U.S.C. 1681 section 604 A Section 2 : states that a creditor can not furnish an account with the consumers written instructions. I am the consumer, and they are the creditor. That should be enough for this debt to be deleted. Also, they sent on XX/XX/XXXX that the debt was indeed valid and have chosen to keep it on my credit report but how is the debt indeed valid if they are not the current owners of the account. This account was resold to Halstead Financial Services, and I received that letter XX/XX/2022. This is another clear violation of both XXXX XXXX, HALSTEAD AND XXXX because I asked them to delete this account as well. First off, they violated 15 U.S.C. 1681 c. ( a ) ( 5 ). This section states : no consumer reporting agency ( XXXX ) 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. This alleged debt is not a record or conviction clearly but yet XXXX has chosen to leave it on my account. Even if the account is closed it should not be on my account because according to that law stated above under the FCRA nothing should be on a consumers report unless I have given written instructions which I have not, it was a judgement, which it was not, or it is the result of a conviction which it is not. It should be deleted. XXXX and HALSTEAD should not be able to furnish my account at all. I did not give them permission and XXXX did not dispute my account accurately when asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
- XXXX XXXX XXXX - XXXX XXXX XXXX/ duplicate account - MXXXX XXXX XXXX  - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I just checked again my TransUnion, XXXX and XXXX credit reports and I can see account reporting inaccurately. Please see attached file below
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$670.00} XXXXE XXXX Balance Owed : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$750.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$650.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$390.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Owed : {$420.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$3600.00} XXXX  XXXX Balance Owed : {$6500.00} XXXX XXXX Balance Owed : {$4600.00}
Product: Checking or savings account

I deposited money into Robinhood ( securities company to trade stocks etc. ) from bank account A. Some time period later I attempted to withdraw funds from my account into bank account B. I've had bank account B attached to my Robinhood account for years and have withdrawn funds several times, perhaps a dozen, with no issue. This time I receive an error indicating that I can not withdraw funds to this account. I complain to the support desk to which they respond that Robinhood has a policy that if funds are deposited from one bank then there is a 60 day holding period and funds may only be withdrawn back to that account. After 60 days funds can be withdrawn to any account. Robinhood offered to process the transfer manually however they require me to describe why I want to withdraw the money to a different account, send in my photo ID, and send in PDF copies of all my bank statements and after that they'll complete my transfer. I verified my photo i.d . with but told them I am unwilling to send in unredacted and unencrypted bank statements ( leaving myself liable to potential fraud ), it's not as if i'm applying for a loan or line of credit, and that I only want to withdraw my money into my account which, again, has been established and used for years with no issue. Robinhood refuses to accommodate my withdrawal request without adherence to their policies and are enforcing a 60 day hold period of my money.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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: Debt collection

Transworld Systems Inc claims that I have XXXX XXXX XXXX XXXX account with an invoice number and I owe them {$290.00}. I have no idea what they are referring to. I never signed up for a corporate account with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX on my 3 credit bureaus is a account i did not authorized and there reporting damaging inaccurate information on my credit report i reached out numerous of times but get ignored Last reported Date Last active Past due Date of last payment Date opened All inaccurate information i did not give written permission. 

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

A person or someone within an organization, the court or government entity may have breached my rights to privacy, and committed a fraud by utilizing my confidential identifying information in connection with or obtained through a consumer credit transaction without my express authorization. My private information is now being furnished/shared publicly, to my detriment, by unauthorized third party ( s ) and reported to several consumer reporting agencies, in violation of state and federal privacy laws and my consumers right to privacy under the Fair Credit Reporting Act.

The accounts are evidenced in my credit file and impairing my ability to engage in commerce. As a direct result of my privacy being breached US Bankruptcy court and/or XXXX XXXX appears to be reporting an unauthorized, inaccurate, irrelevant account and other information within my file. I have filed an identity theft report number XXXX with the Federal Trade Commission to have all unauthorized items removed from my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( 1 yrs, 1 month XXXX  XXXX Last reported XX/XX/XXXX Opened XX/XX/XXXX ( 3 yrs, 4 months Last payment XX/XX/XXXX Payment status In Collections/Charge-off Amount past due {$560.00} Worst payment status 120+ days late
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting 3 loans each as late twice to all credit bureaus. 
90 days late 120 days late 90 days late 120 days late 90 days late 120 days late Totaling 6 missed payments which is inaccurate credit reporting because all loans were on a Income Based Repayment Plan at the same time. 
The problem with this is that one XXXX XXXX Never notified me prior to the account being out of deferment effective this date. 
Second XXXX XXXX XXXX XXXX Never mailed me a letter although my address was on file at the time of the account being in deferment. 
Third XXXX XXXX XXXX placed the account on a payment schedule without notifying me of my right to request a Income Based Repayment plan. 
As you will see I have attached copies of their correspondences that were never sent to me and the notification preferences that were on file. All it shows is electronic. 
Further, there are no records prior to XX/XX/2018 of a notice being sent that an initial payment was due for only 3 loans when all loans were on the same loan application for repayment, only a notice that the account was past due which is inaccurate.
Product: Payday loan, title loan, or personal loan

I have sent numerous emails to Explore Credit revoking my XXXX authorization. They continue to pull funds every two weeks. I have contacted my bank to block future transactions and also dispute the most current transaction. 

When I revoked my XXXX authorization they stopped pulling by using my bank account and routing number, but then began making XXXX withdrawals using my bank debit card. I have revoked authorization on both. When I asked for them to confirm they received my email to revoke the XXXX authorization, I received an email from " XXXX '' on XX/XX/2022 confirming they received my requested. 

To date, they have made automatic withdrawals TWO additional times since " XXXX '' responded. 

I may have to close my bank account and cancel my debit card if this continues, all because this company continues to break the law. If they are doing this to me - I know they are doing it to others. Please help.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX 



Dear XXXX XXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Your Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount Charged Off : {$3000.00} I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. 

Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 



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

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

I have disputed several times that accounts were closed and paid off. Experian does not update the report and displays incorrect information. Ive submitted proof of documentation that the account is paid off and they do not remove or update the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estopper by silence, Engelhardt vs Gravens ( mo ) 281 SW 715, 719,1 presume that no proof of alleged debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX