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

This company has responded to a previous complaint I did on them stating they would still report to my credit. Once again which will be the second time im disputing on the cfpb for the same company but with XXXX  I disputed this account several times for inaccurate reporting and the fact of it reporting when it was sold to a third party which means they no longer own the debt. It really should not take over 8 complaints and dispute for you guys to settle and say we will do a. cease and desist. No it needs to be removed because this has been inaccurate. The third party company it was sold to is not even reporting the debt. The actual two XXXX  secret accounts starting with XXXX and XXXX stated that both accounts were written off. Even in the correspondence letter of them responding to my dispute THATS NOT EVEN MY ADDRESS. which also leads to another reason why I did not receive any documents for the account. I will be taking further action and reporting to the bbb as well. 
It's still reporting inaccurate and if it was written off that means you filed it, wether balance is {$0.00} its still inaccurate for reporting because the debt was sold, The Fair Credit Reporting Act ( FCRA ) states once a debt is sold to a third-party collector, the original creditor typically no longer has the right to report that debt, as the new owner has the responsibility for collection and reporting. The FCRA requires that information reported to credit bureaus must be accurate and up-to-date, which means that the original creditor should not continue to report on a debt they no longer own. 
So if XXXX XXXX who you sold the debt to does decide to report I will have TOTALING THREE OF THE SAME ACCOUNTS REPORTING FROM SAME CREDITOR AND THE ONE THEY SOLD TO FOR XXXX. AND AGAIN THAT WILL BE INACCURATE. These two accounts needs to be removed from my credit I disputed this over seven times and nothing has happened the bare minimum was done for the cease and desist and denied and stated reporting accurate when you're not because of the debt being sold. Section 605 specifies lthe limitations on reporting negative information indicating that once a debt is sold the original credit should generally not continue reporting that debt. If this is not deleted from my report from credit report both XXXX XXXX account with the account numbers listed above I will take other actions because just as well as you are following the law which you are not because is still identified INACCURATE. I know my rights and I have been collecting a trail and each dispute from XXXX and more who verified you are the one who does the disputes. and report inaccurate reporting and more when it comes to this creditor because you think your reporting right and YOU ARE NOT. I will attach the response from them confiming it was sold to a third party Which again i did not give consent to give my information to another third party again violating my rights to privacy!
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, Equifax and XXXX Immediately! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mother passed away in XXXX 2015. Wells Fargo immediately contacted me regarding mortgage and what were my intentions regarding her estate. I told them I would like to sell the property. I had to go through probate. While going through probate I got a purchaser for a regular sale. All information I forwarded to WF. I could only talk to what they referred to as 'Reverse Mortgage Specialist '. I started receiving foreclosure notifications. Was told by the specialist to ignore them that I had to just keep the specialist informed of my intentions. They would ask for me to resend information that I had already sent. I finally asked the specialist where was the information I sent last month? I was told that the information was forwarded to another department and they were not aware of what the other department did with it. Every month I sent a letter asking for an extension or postponement and why. I even went to the Consumer Affairs foreclosure agency. They talked to them and sent letters on my behalf. I was at the end of escrow about to close ( all information I sent to WF along with paperwork ) and asked for one postponement so that I could make sure everything closed properly. This was XX/XX/XXXX, home was scheduled for sale on XXXX XXXX. On Friday XXXX XXXX WF sent me a letter thanking me for my patience saying that they were sorry for taking so long to get back to me but, they had denied my short sale due to the appraiser could n't gain access. I had a regular sale and the house had already been appraised. Well, on Monday XXXX XXXX my mothers/family home of 40 years was sold at auction, to the surprise of everyone. it was purchased at auction for just {$1000.00} more than what my sale price was. 
Now, all anyone can say is sorry! I have been served with eviction notices but, am still here. 
I will not give up my family home without a fight. The home sold to a big corporation. I have hired a lawyer to see if sale can be rescinded. I know it 's next to impossible in California but, I will continue the fight. This has got to be stopped. I 'm going to all government agencies, everywhere. I called HUD and was told in reverse mortgages the heir has up until a year to acquire property. I did n't get a year. At the end of 6 months I was given postponements not 90 day extensions. Wells Fargo was wrong and be held accountable for its wrongful acts.
Product: Debt collection

I was recently trying to get a loan for bills and couldnt do to my credit so I had gotten my credit score looked at and seen that I have XXXX XXXX on my debt saying the account was open XX/XX/XXXX thats around the time my belongings were lost in grey hound I am an victim of identity theft and recently got my items stolen from on XX/XX/XXXX I have gotten a police report for theft so now all my information is out there once agin including Id social security card debit cards I had to cancel and my check stubs with my job info The amount in debt owed is {$690.00} Current creditor : JEFFERSON CAPITAL SYSTEMS LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to temporarily unfreeze my account with Experian and having no success. The other two agencies took less than 3 minutes online. I've been trying to reach a human at Experian for over an hour and I just receive a never ending maze of automation. They have the wrong email address for me and want me to send a ton of information via the US Postal system. This is XX/XX/2019 and we shouldn't be required to send information via the mail system when the internet is completely capable of providing the means to transfer this information securely ( the other two agencies do this ). I can not stop using Experian because they are forced upon us by the banking and lending companies. They need to resolve these customer support issues if we are forced to use them.
Product: Mortgage

My XXXX yr Old Mother is being Harased and Intimidated by RMS reverse Mortgage XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX by XXXX XXXX XXXX XXXX XXXX. She was in the Hospital and RMS was told this and Started Foreclosure proceedings. The reason was that she was not occupying the property. When she came back home she started getting the Notices. We were told to have her sign return the Occupancy Letter. There was never any occupancy letter ensclosed. Only form to surrender the Property and hand over the keys. The Loan Balance is XXXX K the Home is appraised at XXXX. This is predatory lending practices to take a large amount of equity away from an unsuspecting XXXX person. I can never reach XXXX XXXX hes always Not Available or out of the office. We get the letters sent by Special Delivery on Saturdays when there office is closed My Mother who is XXXX. This has been going on since XX/XX/XXXX. We have faxed over utility bills and a signed letter that my Mother resides at our residence. The Company has stated that the loan will be taken out of default and Reinstated but they refuse to send us anything in writing. Last weekend we received yet another letter again threatening foreclose for unpaid taxes. I have paid all the taxes current. The letter even states the amount owed for taxes is XXXX. But they keep sending the forms to let the property go to them so they can steal all of our equity.
Product: Money transfer, virtual currency, or money service

I am writing you to express my concerns regarding zelles handling of disputes particularly in the light of the recent CFPB Lawsuit highlighting significant issues with the platform Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering loss funds was impossible. and tracking these transactions was unfeasible.the CFPBs findings indicate My only has Zelle neglected to protect consumers but also allowed repeat offenders to exploit the system leaving userss vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting

I need assistance with getting incorrect information removed my credit file. 
I have sent certified mail to all XXXX credit bureau and reporting agency and have been unsuccessful. 
1. Inquiries- un-authorized2. collections account I want proof with my signature establishing/bonding me to a contract of such said debt
Product: Debt collection

I got XXXX XXXX at XXXX XXXX in XXXX XXXX Florida. I paid my copay of {$40.00} each time. I stopped getting therapy around XXXX. In XXXX I get a collection notice from Merchants and Professional Collection Bureau saying I owe {$330.00}. I called them saying I paid and asked for the back up. XXXX XXXX said she would not send me anything. I mailed the form back saying I paid and dispute any debt. 
I called XXXX XXXXs in XXXX XXXX. XXXX and XXXX were surprised I got a bill and both said don't pay it. XXXX sent me the ledger showing a column with Patient Balance at XXXX. 
In XXXX I get a letter from Merchants saying they have verified the debt and enclose a redacted copy of the letter. The column showing Patient Balance was whited out. I tried to explain this to XXXX but she wouldn't listen. I emailed XXXX and XXXX XXXX at XXXX XXXX enclosing the actual ledger showing I owed nothing. I have not heard from them. 
They probably have violated Sec. 807 of the FDCA by making a false representation of the amount of a debt.
Product: Credit reporting or other personal consumer reports

The loan has been paid since XXXXXXXX. It should reflect paid in full. It still has an account status of duragatory. Ive contacted multiple times to fix
Product: Credit reporting or other personal consumer reports

Please be advised that I received a 1099C form for canceled debt on XXXX  account XXXX. Box XXXX indicates the debt is uncollectible and must be deleted. Supporting documents justify immediate removal from my file.
Product: Credit reporting or other personal consumer reports

Formal Complaint Against TransUnion - Data Breach, Inaccurate Reporting, and Violations of FCRA and FDCPA Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against TransUnion regarding serious issues that have arisen from their handling of my personal information and credit reporting. 

Firstly, I discovered that my sensitive information was compromised in a data breach, and it is now circulating on the dark web, exposing me to potential harm. Despite this, TransUnion has failed to adequately address the fallout from the breach. 

Additionally, TransUnion is reporting inaccurate and incomplete information on my credit report, a clear violation of the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting has not only damaged my credit score but has also violated my rights as a consumer. 

I believe these actions by TransUnion are not only negligent but also malicious. As a result, I am seeking compensation for the damages incurred due to their fraudulent activity and violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate actions against TransUnion to ensure consumer protection and hold them accountable for their actions. 

Thank you for your attention to this matter. 
God bless. 

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

In XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft .I did not profit from these accounts having been opened. I have yet to have my dispute resolved or any feed back regarding this issue and its been over 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to see credit score on Experian. No helpful assistance provided over the phone to fix the problem, even though I've used a credit card for approximately 3 years. 
Username : XXXX My troubles with Experian have delayed me from renting a house for 5 months now. I need assistance immediately.
Product: Credit card

Reg E Claim files with Bank of America against Spirit Airlines for not following the Airlines Polict for credits.

Fully documented at Bank of America under claim # XXXX Key Points : Spirit Airlines stated Policy was to allow a prior credit to be applied to a future purchase ( within 90 days ) At XXXX their technology malfunctioned and prevented the application of the credit according to their own policy. 

Their hold times in customer service were unreasonable and it could not be resolved immediately. 

Escalation to a supervisor after the fact did nit result in a policy credit. 

Bank of America wants written evidence of a. A technology screen, b. Documentation of a call ( transcript? ). Which is not available. 

What is available is I paid twice for one ticket creating unjust enrichment for the Airlines. 

This is Deceptive Practice ( XXXX ) I want my {$630.00} returned. 

Increased pressure on charge back volumes have created improper policies at travel merchants. 

Increased First Party Fraud has created a tightening in Reg E responses, which is this case the double payments can be clearly seen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the delayed processing and removal of inaccurate negative items from my credit report related to my rental history. Although providing all necessary documentation and making previous efforts to correct this matter, these items have yet to be resolved, which has led to significant consequences, unfortunately. 

The delay in addressing this dispute has caused me considerable distress, negatively impacting my credit score. Consequently, I have missed important opportunities, e.g., rental agreements, financial services, employment, etc. ]. The stress caused by this situation would have been unnecessary and completely avoidable had the appropriate actions been taken promptly. 

Thank you for your time and attention to this matter. I look forward to your swift resolution. 

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

Caine & Weiner is reporting an erroneous debt on my credit file that I do not owe. This is for an insurance company that I switched out of but called and paid in full before doing so I called directly to the original creditor to pay the balance and I was under the impression that I took care of it. There shouldn't be a balance and this account should of never gone to collections. I was never made of aware of a balance. I never received calls, letters, or collection notices which is a violation of my 30 day right to dispute for this account that shouldn't even be in collections.
Product: Mortgage

I was granted a forbearance on my home loan from SLS ( Specialized Loan Servicing ) and a payment was due on XX/XX/XXXX. With all that had occurred during XXXX, I was making an effort to stay ahead of debt, so I made my XXXX payment on XX/XX/XXXX. I signed online to make a payment today for XX/XX/XXXX, and my account stated that I was past due for XXXX. I called them and advised that I had made a payment in XXXX for XXXX and they told me that they had applied it towards my principle amount. There is an option that you select when paying online if it's to be applied towards the principle, and my confirmation clearly states that I did not request it to go towards my principle. Not only is it reporting me to the credit bureaus as delinquent, but they charged me {$150.00} late fee ( for paying early ). I planned to keep my payments current in XXXX to refinance to another mortgage company and I feel that they are sabotaging my effort and charging me additional fees that weren't warranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Gateway One Lending is reporting an erroneous account on my credit reports that has been challenged to XXXX  and XXXX. Both have claimed that the accounts have been verified even though the creditor has ceased to exist and has not provided the validation necessary to leave the account on my credit reports. 

GATEWAY ONE LENDING & XXXX
Product: Credit card or prepaid card

I've had two Chase Bank Credit cards closed without my knowledge until I got an alert from XXXX XXXX that they were closed. They recently closed my oldest held credit card and are closing another to which they say they can't reverse now.
Product: Credit reporting or other personal consumer reports

I received on my credit report saying I owe XXXX which I do not have a XXXX XXXX  account. never had one with them send in a letter asking for verification have not received Based on 15 USC 1681 states I am aware all rights I have that are protected by Congress under the Fair Credit Reporting Act ( FCRA ) and this account has violated my federally protected consumer rights to privacy and confidentiality.
Product: Checking or savings account

A man called XXXX XXXX claimed to be investing some money I had while I was just being treated with XXXX and followed by XXXX and XXXX. He had me sign 5 checks from my XXXX XXXX  First Financial in XXXX, Ohio on XX/XX/2018 claiming he was an employee of an investment company called XXXX ( XXXX ). These checks were redeemed thru 4 suspicious companies for XXXX  When I was aware of what had happened. I contacted my bank and was quite upset because these checks emptied my account. In the past, the previous three bank owners would have phoned me immediately to check on me. I was a customer for 33 YEARS at that branch. 
I did complain repeatedly over the years to First Financial and asked for follow up. I am receiving no serious service or response. The bank has all of my information in their computer, even copies of the checks. 
I contacted the SEC and various XXXX resources ( He now resides in the XXXX ( XXXX XXXX ) ). He has 5 names and his spouse has 3. The money has disappeared.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had late payments on an account I was never late for. The consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts and I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be because I was never late. Thanks! Please see the screenshot attached :
Product: Mortgage

I called Us Bank XXXX XXXX. To cancel my escrow account for my taxes.. The escrow account was not required as put down {$90000.00} on a {$250000.00} purchase. 
After a long wait they said the cancellation was approved. I had already sent my payment of principal and interest payment. Us Bank has put my payment in suspense. I feel like they are trying to force me into foreclosure and including unwarranted late f
Product: Credit reporting or other personal consumer reports

Credit report score is incorrect. My score went down from a XXXX to XXXX for no reason. This is an error and need to be fix to the correct score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered my equifax credit report was not frozen and hasn't been frozen for quite sometime. As a rep. from equifax informed me this evening once a freeze is place on any one of the 3 credit reporting bureaus and message is shared amongst the agencies and all 3 reports are or should be frozen. XXXX   report was frozen, XXXX report was frozen and as mentioned Equifax was not frozen and hasn't been frozen for more than a month and no reason was furnished by Equifax as to why the Equifax report was not frozen as it should've been. 
I believe this is misleading situation by Equifax whereby, I am under the impression my 3 credit reports are frozen when in fact one of them is not. 
I am in the process of correcting their oversight or lacking attention to detail and from my understanding they have informed me they have no way of knowing or investigating how this happened. 
I bring this to your attention because I find this unacceptable managing of important credit details.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported XXXX XXXX, 2023 XXXXXXXX XXXX XXXX Reported XXXX XXXX, 2023 XXXXXXXX XXXX XXXX Reported XXXX XXXX, 2023 XXXX XXXX XXXX Reported XXXX XXXX, 2023 XXXX XXXX XXXX