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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX Subject : Debt Validation Request Under FDCPA Dear XXXX XXXX XXXX, I am writing to request validation of the debt you have contacted me about. Pursuant to 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information : Proof of Debt : Please provide me with a detailed statement showing the amount of the debt, including an itemized account of all charges and payments made to the account. 
Assignment Contract : If you are not the original creditor, please provide me with the assignment or transfer contract showing that you have been legally assigned the right to collect this debt from the original creditor. This contract should include the original creditors name, the original account number, and the date of assignment. 
Verification of Debt : In accordance with 15 U.S. Code 1692c, please provide documentation that proves your authorization to collect on this debt. 
Under 15 U.S. Code 1692g, you must cease all collection activities until you provide the requested validation and proof of your authority to collect this debt. 
Please respond to this request within 30 days from the date of this letter. If you fail to comply with this request, or if you continue to pursue collection activities without providing the required validation, I will consider this a violation of the FDCPA and will take appropriate action to protect my rights. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I received and letter from TransUnion stating that XXXX XXXX credit card was on my credit report which was a lie the letter was title dispute status the item is still on my credit report I have now taking legal action against TransUnion for falsely telling consumers that and item is not on there credit report when the item is still on my credit report this is awful to tell a consumer that something not on there credit report when the item is still on my credit legal action will be taking
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX  CARD partial account number XXXX. ( Please see pages 3  and 4 of the attached credit report. ) I have already called XXXX Bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Vehicle loan or lease

My car company is through SANTANDER. 

In XXXX, I noticed that their phone system had trouble processing my payment so I called customer service who redirected me back to the phone system, which I applied my CC info. I was provided a confirmation number, but the payment was never processed. I received saying I 'm 30 days behind and I have to pay late fees, and it shows on my credit of a late payment. 

They told me, to use ACH payment online, it 's FREE and the best way because they pull the money out the same day. I did do so, and paid an additional {$150.00}, plus {$450.00} to bring me current on my payment. 

Now, they are saying the only way is to pay the {$5.00} to have a human process my payments because my payment did n't come through or that it was " returned ''. This magically happened after I filed TWO FTC complaints against them, ( one for the late fees, second for the payment options ). 

I make only {$10.00} an hour and live in NC, where the cost of living is not high, and I live hand to mouth. Meanwhile, this company calls me all day and all night, telling me they 're going to take my car, that they made bad notes on my credit, that now I 'm TWO months behind and keep charging me these ridiculous fees. o This is the FIRST time I have EVER leased a vehicle before and I ca n't believe my lender is behaving in this manner. I need help. What do I do? How do I make this stop?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance is reporting a late for XX/XX/21 that needs to be removed. I recently bought a car from them but don't understand why they are reporting a late for XX/XX/21 when I got this car in XXXX. I made my payment on time on XXXX and since then but there is no reason for me to have a late for XXXX. This is an error and needs to be removed.
Product: Debt collection

On XX/XX/XXXX, XXXX, XXXX XXXX XXXX without any communication, garnished my XXXX XXXX Account, they sent the va garnish papers to the bank, I called bank and they could not go into details as the {$20000.00} was pending and I should call in a few days after it had been posted. I called XXXX XXXX handling the file ( XXXX ) several times and they would say they are attempting to collect the debt and verify it but yet did not attempt to even talk to me about this debt, when i asked questions trying to clarify the creditor, get a phone number to communicate to the creditor, I got ridiculed for asking for information as they say it has been a debt since XXXX some said XXXX. I spoke to XXXX, XXXX, XXXX, XXXX, at some point left a message for XXXX AND XXXX. For a week nobody helped and on XX/XX/XXXX, after trying to solve this differently for week i called them back, and tird againg XX/XX/XXXX I spoke to these same indivduals but this time decided to record every time i called back from someone hanging up the phone to not answering my questions of just wanting 1. A copy of orginal contract i signes for the debt, 2. Payment histry if at all from the original creditor, Name and adress for original creditor andproof of ownership that XXXX XXXX XXXX XXXX were assigned this debt of about {$23000.00}. I recorded about 10 voice memos in a space of 1 hr and no help or answers were provided to me as the person whose account has been garnished. I called CALVARY SPV LLC, spoke to XXXX who are their clients but they gave me the one answer to talk to XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX & XXXX of XXXX  I called XXXX several times to correct my name, address, and employment. The customer service reps gave me a hard time. I was told I couldnt change my own information. Very rude people working at XXXX. My acct is locked due to someone stealing my social security info during the pandemic. Every time I called I went through high risk and passed. It shouldnt been an issue. They kept transferring me around to different reps. By law I have rights to make sure my personal information listed on the 3 credit agencies are correct, so that my information wont end up in someone elses hands. Especially all the different addresses thats listed. Important information can go to the addresses thats listed. No one should be treated how I was treated. 

XXXX & Equifax was very nice. Once I passed high risk they stated they would submit the changes. The only issue I have is they didnt correct the changes I asked.
Product: Credit reporting or other personal consumer reports

Dear Experian Representative, I am submitting this formal request to remove fraudulent information from my credit report. Attached is my FTC Identity Theft Report, reference number XXXX, which documents the unauthorized activities associated with my identity. 

Upon reviewing my Experian credit report, I discovered numerous errors, including fraudulent accounts, unauthorized inquiries, and inaccurate personal details. The following information does not belong to me and must be removed : Addresses : XXXX. XXXX XXXX XXXX, XXXX, LA XXXX XXXX. XXXX XXXX XXXX, XXXX, TX XXXX Employers : XXXX. XXXX XXXX. XXXX XXXX XXXX Fraudulent Accounts : XXXX. XXXX XXXX ( Account Number : XXXX ) XXXX. XXXX ( Account Number : XXXX ) Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX These entries do not reflect any of my actions or authorizations. I request that Experian promptly remove the fraudulent accounts, unauthorized inquiries, and inaccurate personal details listed above. Additionally, I ask that a fraud alert be placed on my profile to help prevent further unauthorized use of my information. 

Please process this request as soon as possible in compliance with the Fair Credit Reporting Act ( FCRA ). Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX
Product: Mortgage

My mortgage company has placed purchased insurance coverage on my behalf. The cost of this insurance was passed on to me through as an increase in my monthly mortgage payment. They said : To avoid this increase, you can easily provide us evidence of insurance by uploading your policy. 

Ive had continuous insurance coverage and called to provide proof of insurance to stop the additional charge that has dramatically increased my auto mortgage payment. They informed me that the only way to do so was via a website. The website has told me every time Ive logged in and tried to load proof that the web said has said Upload temporarily unavailable. 

I and my insurance provider has called ( after trying to fax the proof of insurance and the fax line failing ) the mortgage provider and the long hold times has led to random impromptu disconnection. The proof of insurance website has never allowed me to load documents though I can log in. My mother is a coborrower and elderly and she does not have consistent access to the technology. 

My payment has been erroneously and dramatically increased. Auto debited. And no remedy is available to me. I need help, my livelihood is impacted. 

We cant reach anyone via phone call most of the time. The fax line has not worked when we tried it. The website to load the documents has not worked 100 % of the time that Ive tried. And they are auto debiting my account for more than the amount I agreed to when I signed up for autopay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Against Experian Regarding Inaccuracies on My Credit Report To Whom It May Concern, I am writing to file a formal complaint against Experian for their failure to properly investigate and correct multiple inaccuracies on my credit report, causing significant harm and stress in my financial life. Despite my numerous attempts to resolve these issues directly with Experian, the following errors remain unaddressed : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Charged-Off Debts Without XXXX : XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Bank Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX These inaccuracies have resulted in mental anguish and stress, making it difficult for me to obtain loans, cars, and other consumer transactions. I am seeking compensation of {$2000.00} for each issue detailed in this complaint, totaling {$32000.00}. These funds should be deposited into my XXXX Bank account, Acct # XXXX, Routing # XXXX. 

Please note that Experian 's actions violate the Fair Credit Reporting Act ( FCRA ), as they failed to ensure the accuracy of the information on my credit report and did not adequately investigate my disputes. The following USC codes are applicable in this case : 15 U.S.C. 1681i : Failure to reinvestigate disputed information.

15 U.S.C. 1681c-2 : Blocking information resulting from identity theft.

15 U.S.C. 1681e : Compliance procedures.

I urge the CFPB to take immediate action to rectify these issues and hold Experian accountable for their negligence and non-compliance with federal regulations. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX last XXXX XXXX XXXX
Product: Debt collection

I recently received this Collection attempt from American Coradius Intl llc,  and dispute this collection in its entity XXXX XXXX  # XXXX amount {$1000.00} reference number XXXX as an ongoing fraud filed/ID theft XX/XX/XXXX. XXXX recovery. I called them and disputed this ID theft and following up with CFPB. As best I am able to discern it is an on going attempt to collect monies I have no idea of it. I moved to XXXX, XXXX XX/XX/XXXX, I stopped living in FL at that time any debts prior I do not recall ever seeing and I am surprised when this showed collection attempt came. I have been XXXX since XX/XX/XXXX per SSA My wallet went missing in XXXX when i moved out of the country i vigorously deny any association of any use of XXXX or XXXX XXXX   with this referenced account. Further I wish to have them not to report this credit bureaus as uncollected debt.
Product: Checking or savings account

On XX/XX/21 i had an emergency and needed funds from my account and chase just closed and the employee was at the door but wouldnt let me in. I needed cashiers checks for a lease signing so it was an emergency. They charged me {$69.00} on my debit card from pulling the money at another bank and refuse to reverse the fee. I called them twice and spoke to and they wouldnt reverse it and i was unaware of this fee as my account allows fee reversals on the first 4 non chase atm fees.
Product: Mortgage

On a letter received from Wells Fargo dated XX/XX/XXXX, it stated I could obtain documents pertaining to the research of my previous CFPB complaint. I would like to formally request those documents, along with official documents showing the Assignment of Mortgage.and Agreements between XXXX XXXX  and Wells Fargo. 

Regarding the original appraisal that Wells Fargo is in possession of, you state you could not talk to the appraiser since he lost his license. Since he is a " lay person '' with no current appraisal license, you could certainly speak with him. He may or may not  cooperate. If you simply look at the drawings, they are wrong. On the appraisal, the original appraiser drew XXXX and XXXX XXXX   together. XXXX XXXX is its own separate duplex with two units, there are no stairwells internal leading to a second floor. You can see from the back of the house picture there is a separate set of steps leading into the 2nd Floor apartment. XXXX and XXXX Lanning is a double block with 3 units. Total is 5, not 3. From what I have discovered, the 5 unit configuration does not qualify for a conventional home loan type. 

How is it on one hand Wells Fargo did not take over service of my until XX/XX/XXXX, in one paragraph, but it another paragraph, you stated you modified the account on XX/XX/XXXX? Understandably, XXXX was still a subsidiary owned by Wells Fargo and you left out that I went through one foreclosure with successfully paying what I owed and also successfully paid a forbearance agreement at one time. I would like a breakdown of every payment and total I made toward my mortgage as well. As far as I am concerned Wells Fargo has always been in control of servicing my loan, no matter what name you went by or go by. 

I did have a change of circumstance at the end of XXXX in which I lost one source of income which was a loss of {$8000.00} annually. I also had a tenant move between XXXX and XXXX which was also a loss of income. 

In the summer of XXXX, there was an agreement that was negotiated between your former attorney and mine that was supposed to go through before the Judgment, however you all did a switch and that info never was passed between your former attorney and current attorney. 

Surely, you stated I could request a refinance, however, we both know realistically that it is unlikely to occur because of the current situation. 

Please supply all documents in your research and also you stated I would need to " reach out to the originating lender, as we do not have access to all the information ''. Let me just say, the original lender is XXXX XXXX  and they went bankrupt, the original mortgage broker that worked the loan is out of business, the title insurance company for the loan went out of business, and the list of businesses that have serviced my loan since inception, have since disappeared. 

As a new matter, I would also like to know if Wells Fargo would entertain a short sale for the property?
Product: Payday loan, title loan, or personal loan

I was four days late making the payment. Only because they do not give you an option to pay online. They required I come in. I was avoiding doing so because we are in the middle of a virus epidemic. I have never been later before, ever.They called all my references repeatedly harassing them to have me call them. I called when I was able to, to say I would in fact make the trip in on the coming Friday to pay them when I got some money. They told me it was to late and I had been sent to collections after just four days. Now they are harassing me about paying the balance in full. Calling me at work and all hours of the day. I tried to explain that right now I just don't have the money. They are taking advantage of people who are struggling right now and sending people to collections during this epidemic. I offered to pay what I could when I could and they do not want to accept. I am a single mother who is struggling right now. I have lost hours and pay during this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a voluntary repo per an agreement signed XXXX that returning it my balance would be {$0.00}. My credit report on all 3 bureos still says something around {$18000.00}. The agreement signed on that date says the balance would be updated to XXXX. I have disputed with all three credit bureos and no changes have been made. Please force them to make these changes to the account balance to XXXX ad theyre required to pet the agreement I signed wi to XXXX XXXX XXXX XXXX and the FCRA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported hardship to XXXX XXXX in response the COVID pandemic during the month of XXXX. XXXX XXXX  initiated the forbearance under the CARES ACT but still reported the month of XXXX as delinquent to all three credit bureaus. I have disputed this with all three credit bureau 's but they were unsuccessful at removing the derogatory remark. I have also reached out to XXXX XXXX  but they have been uncooperative in helping to remove this inaccurate remark on my credit report. I am now unable to refinance my home at a lower rate due to this report as VA require no missed payments in 12 months. Your help in this matter is greatly appreciated.
Product: Credit card or prepaid card

While browsing for an engagement ring on XX/XX/2018, I entered the XXXX XXXX store located on the XXXX XXXX XXXX in XXXX XXXX, MO. The sales representatives in the store mentioned an ongoing limited offer which provided for 0 % financing over 18 months on purchases. I stated that this is something I may be interested in, and they proceeded to request personal information for a " credit check '' to see if I would qualify for the financing and what my credit limit would be should I decide to purchase from them and elect the financing option. Even as I vocally hesitated that I was not sure that I even wanted to purchase anything from them and thus was uncomfortable providing my social security number, the sales representatives assured me that the credit check would not bind me to anything and it was primarily used to see a spending limit as I shop for diamonds. All of this took place before the jeweler brought out any potential diamonds to look at, so it felt as though this was a prerequisite to begin actually shopping at this store. I proceeded to enter my information, and they quickly ran a check and alerted me to how much financing I was qualified for. Eventually, I did not end up purchasing anything from XXXX at all. Over a week later, I received a XXXX Preferred Credit Card in the mail, which was the first time I was alerted that a credit card had been opened in my name. While in the store, there was no firm mention of opening a credit card, there was no purchase made that would require credit financing, there was no manifestation on my part of a willingness or desire to open a credit card through XXXX or Capital One, and there was no clear indication at any point that my entering of my personal information would lead to the opening of a XXXX credit card account.
Product: Checking or savings account

I deposited a check, at the end of XXXX to Trusit, but they blocked my account as soon as I made the deposit, and they held the check for 14 days, after holding my check they closed the account, and haven't sent out the balance yet, claiming its a safety concern, they sent out about {$14.00}, however with the checks that were submitted, they haven't sent out that payment yet, allotting to over {$2000.00}. I called the vendor that gave me those checks to cancel them, however, because the checks have been cashed by Trusit, that isn't possible anymore. I have called the bank XXXX times already however whenever i call they say they dont have information on when the funds will be released, and they keep giving me no answers.
Product: Mortgage

Flagstar Bank is keeping my full loan payments in suspense for no good reason. My mortgage payment is on automatic payment and the payments come out of my checking account each month. The money has been received by Flagstar in a timely fashion but they are keeping the funds in suspense, indicating that I made a partial payment. The payment amount is automatically debited by FLAGSTAR and it is for the correct amount. 
On XX/XX/XXXX ( mid-cycle ) Flagstar sent me a statement showing that they had reversed my payments back to XX/XX/XXXX and that the $ had been placed the money in suspense because the payments were short. The XX/XX/XXXX statement indicates that the loan is current. The online history states that on XX/XX/XXXX the payments were reversed. Flagstar calculates the payment and sends the ACH to my bank. I am enclosing my bank history showing that the payments have been posted each month through ACH by Flagstar Bank. Also, XXXX is the month for my escrow calculation. It will definitely not be correct with this mess. They are now threatening foreclosure. Please help me ASAP.